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Verified Reviewer
New Reviewer

Not Good for those trying to build credit

If you are building your credit this IS NOT the company you want to get a card with. I have made ALL of my payments early or on time and I had three cards with them - Sam's Club, Discount Tire, and Mattress Firm. I paid off Discount Tire and they CLOSED it without telling me and after I tried to get new tires is when I found out I paid down my balance on my Sam's card and they lowered my limit from $1200 down to $800 (so the $400 I paid means nothing now) and they did the same with the Mattress Firm card so not my credit report shows the cards maxed out which makes my score even lower!

User's recommendation: Try Capital One or even CreditONE.

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ID
#3491610 Review #3491610 is a subjective opinion of poster.
Product
Sams Club Credit Card
Pros
  • Will give anyone an account
Cons
  • Rudeness and dishonesty
  • Lousy service
  • Agent unable to correct a problem
Preferred solution
give me back my credit limit and not make my credit score worse by lowering it

Payment

Thank you so much for helping to solve my problem. It was a devastating situation. Thanks to you my money was refunded. Thank you,

User's recommendation: Trust *** consumer.

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ID
#3486761 Review #3486761 is a subjective opinion of poster.
Location
Columbus, Georgia
New Reviewer

Didpute

I disputed an item I have not used the card before yet so I need this to be resolved and I need it off my credit report

User's recommendation: H.

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ID
#3486204 Review #3486204 is a subjective opinion of poster.
Location
Salt Lake City, Utah

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Verified Reviewer
New Reviewer

Decreased my limit from 300 to 100 without my knoweldge over 5.66 at lowesmyments. they are a rip off and i see why they have a 1 star rateing

credit limit decressed without lettinbg me know will nerve use them again Reps not helpful at all say they can not do anything even if it was there fault

User's recommendation: stay away.

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ID
#3483735 Review #3483735 is a subjective opinion of poster.
Location
Fort Lauderdale, Florida
Loss
$6
Preferred solution
Let the company propose a solution
This is quiet unfortunate. However, I was going to make a purchase online for my annual spring maintenance. Come to find out my card was closed on April 1, 2022. I spoke to customer service and it was conveyed that correspondence was sent via email. I have seen...
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1 comment
#2162609

You agreed when you signed up they can close your account for any reason.

ID
#3468458 Review #3468458 is a subjective opinion of poster.
Location
Vienna, Virginia
Preferred solution
I’m good.
New Reviewer

Credit on my Lowe's card

I keep getting disconnected. Please call me back. I need my Lowe's account to be credited for 562.03.lowe acct # 819243****2386. It was credited in oct 20,2021.when I received my bill in January it was back in my bill. Please call me back. 614-817-****
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ID
#3463752 Review #3463752 is a subjective opinion of poster.
Location
Columbus, Ohio
Pros
  • No interest
Cons
  • Suspected unethical practices
Loss
$562
Preferred solution
Full refund

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Verified Reviewer
Junior Reviewer
They claim there was fraudulent activity on my account... Tried explaining this is a mistake; however they closed my account and are sending me another card... Not a big deal except I notice there is a balance transfer of $236 - I called and got a moron who couldn't...
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ID
#3463150 Review #3463150 is a subjective opinion of poster.
Cons
  • Horrible customer service
Loss
$236
Preferred solution
Let the company propose a solution

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Verified Reviewer
Junior Reviewer
They claimed there was fraudulant activity on my account... Tried explaining it was not fraud, but they closed the account and told me they were sending me another card... OK.. I think, but then noticed a $236 "transfer" from my old card.... The issue is there is...
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ID
#3463118 Review #3463118 is a subjective opinion of poster.
Location
Grass Valley, California
Cons
  • Horrible customer service

Trying to access account and pay my bill

Well, I called the number, I had to look it up. Got a chance to talk to someone who switched me to another 800 number. I stayed on the line for 50 minutes listening to muzak before I hung up. These past couple of months, I haven't been able to make a payment with the auto-pay option, because it doesn't exist anymore. That's very inconvenient for me.

User's recommendation: The customer service number on your card has no payment option.

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ID
#3461775 Review #3461775 is a subjective opinion of poster.
Location
Toledo, Ohio

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Verified Reviewer
New Reviewer

Absolutly horrible

Late payment fee's are absurd and seem illegal. No customer support at all. Tried paying with another account and they wouldnt accept a debit card on line But you could call to make a debit card payment. Everytime I tried to get Support it would say no one is available. But their bot will help you. I am done

User's recommendation: DONT GET SUCKED IN THIS.

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2 comments
#2154744

What is absurd is waiting till the last minute. And most phone systems are automated for payments. There is no reason to speak to anyone.

#2154745
@PissedConsumer2154744

Youve got to be kidding me

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ID
#3437491 Review #3437491 is a subjective opinion of poster.
Cons
  • Deceptiveness of initial reason for applying for home card
  • Online system sucks
  • Lousy service and lack of understanding
Loss
$200
Preferred solution
Explanation for their absurd practices. they reduced my credit a year ago because of their fault and were bringing it backup. They never did.

Cannot replace card

I got their card via PayPal but I never received it. I just spent over two hours on the phone with them and they made me try to make a video of myself to prove my ID, using my cellphone. This did not work....over and over again. So, I still don't have their crap MasterCard, and still have gotten nowhere. What annoying weasels they are. No, I do not recommend them to anyone, unless I can think of someone I want to torture endlessly.

User's recommendation: Avoid like the plague.

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ID
#3435000 Review #3435000 is a subjective opinion of poster.
Location
Washington, District Of Columbia

Complaint

I paid my Old Navy Account in full, as well as my Amazon account and brought my paypal account current, and you tried debiting additional payments that were not due on the account. The returns from the bank were the funds you tried debiting that you were not entitled to. My account were paid in full and the bank can prove that as well as your records. Your online chat assistant is a JOKE, very unprofessional and not helpful.
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ID
#3432804 Review #3432804 is a subjective opinion of poster.
Location
Indianapolis, Indiana
Everytime my score increases and I lower my debt, the drop my account limit and drop my score, the last, and 3rd account they lowered hours after making a purchase and caused my account to be negative. I have 100% payment history, and credit score is higher than when I...
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ID
#3431605 Review #3431605 is a subjective opinion of poster.
Location
Fairhope, Alabama
Preferred solution
Stop defrauding your customers!! I want my original credit limit restored until I can pay them off... Should not be penalized for improving my credit and being in perfect standing with all accounts!!!!

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Verified Reviewer
New Reviewer
I got a credit card from Synchrony because of Guitar Center. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more...
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ID
#3431374 Review #3431374 is a subjective opinion of poster.
Location
West Chester Township, Ohio
Cons
  • Random reduction of credit limit
Preferred solution
Let the company propose a solution

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Verified Reviewer
New Reviewer

Avoid at all costs if you value your credit score

I got a credit card through these guys to buy a mattress and paid it off the next month just to try and build credit which did a really good job until the very next year when they decreased my credit limit which lowered my credit score by 50 points due to not using it and the very next month they closed my account all together without speaking with me or getting approval and lowered my score by 87 pts. ill never do business with these people again. my score before they screwed me was 750... you do the math.

User's recommendation: avoid this company at all costs.

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ID
#3420828 Review #3420828 is a subjective opinion of poster.
Location
Springfield, Michigan
Product
Synchrony Bank Credit Card
Pros
  • Will give anyone an account
Cons
  • Closed my 1 year old account that was always early
Preferred solution
Let the company propose a solution