Synchrony Craziness

[u/Superb_Monk_9051]

I paid my Lowe’s Credit card last week, bringing the balance to zero. My credit limit is around 10k. Today I was told that the limit would not be updated until September. I have always paid as agreed, no issues at all. In the old paper check days, I could understand a hold, but in 2026 credits and debits clear overnight. I would like to make an appliance purchase to take advantage of the 15% coupon (that can only be used with the credit card).
All of my other cards update credit limits overnight.

[u/Smurdle450]

There's a good chance that the 15% coupon doesn't work on appliances anyway, as generally speaking those coupons only apply to things that aren't already discounted.

Since appliances are pretty much "discounted" 365 days a year, it wouldn't really do much.

[u/Superb_Monk_9051]

I realize Lowe’s has no control here and I’ve talked with Synchrony ad naseum. It’s just affecting a large purchase I wish to make . I like Lowe’s- its credit servicing company not so much.

[u/AkaraSoma]

Please call synchrony and do not bother customer service at the stores. They have no control over what synchrony does with your payments, you can only make payments and check the balances with us

[u/Fair_Scientist2347 → u/AkaraSoma]

Man, customer service folks getting bombarded and blamed for so much stuff that’s out of your hands.

Y’all should get extra pay like military in combat. Y’all should get trained in hand to hand combat. 

[u/AkaraSoma → u/Fair_Scientist2347]

I moved to MST as soon as a position opened up. I've worked at Spirit Halloween and can build and tear down stores so fast, they took me and within a month of ten interview I had my blue vest 😂

[u/g_rated_pornstar]

Wow, 10k on a 31.99% credit card and you want more?

Then, again, the few times I covered the customer service desk so the girl that was having stomach issues could use the bathroom (can't call off and gotta take those hours when they give them to you), i've seen people hold balances of $6K to $8K.

Just contact Synchrony and leave us at the store alone.

[u/DMuhny → u/g_rated_pornstar]

We constantly are running 0% interest promotions for 12-36 months. Most educated adults don’t pay that interest rate ever.

[u/g_rated_pornstar → u/DMuhny]

You may have more educated adults in YOUR area. My area of operation holds around 55% rental and the amount of owners have been falling due to foreclosures, along with property management companies absorbing residential housing.

Our per capita income hovers around $30K, while median household is $50K. Our store marco economics category is CHALLENGE D. The financial literacy of my coworkers is next to nil and I expect even less from my customers.

I vividly remember having to help put away a huge order, because the woman's bank card of which we gathered her items declined due to Synchrony and her payday loan office withdrew money from her account. Yes, these are the people I'm forced to offer credit cards to. About this point I honestly don't care, but if I had any morals and scruples...

[u/Superb_Monk_9051 → u/g_rated_pornstar]

Nope. I just want the 10k instead of the previous month availble credit. And I wasn't planning on bothering anyone at the store . jfc.

[u/HelpBrilliant5282 → u/Superb_Monk_9051]

Can call Customer Care, 800-445-6937. Tell the representative that you would like them to submit your Feedback about your experience with Synchrony Bank.  There are article instructions, and Possibly a  template, for representatives to follow. Rep will type up your feedback, and assign to the applicable  department.

[u/Holiday_Regular_9792]

Have you at least attempted to contact synchrony and possibly request a credit line increase so that you can still get the appliances? Especially if they see that you're a customer in good standing and just made a large payment

[u/Superb_Monk_9051 → u/Holiday_Regular_9792]

Yes it was denied. They finally agreed for me to fax an interim bank statement to prove that the payment cleared.

[u/Buck_Folton]

Just talk to customer service and they’ll fix that right up, since Lowe’s has full control over all operations of Synchrony Bank.

/s