GE Capital Retail Credit Card Complaint

GE Capital Retail Credit card department,

New York

I have - credit cards - was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to - dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.