Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Credit line increase/decrease California

Since - I have been an account holder of a JC Penney credit card and since - a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment - I made the minimum payment. I became employed in - of -, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a - credit card limit But in all the years as a card holder my balance remain manageable around -. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the - balance I owe at the time of those - emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card


- separate letters from SYNCHRONY BANK - referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to $100.00 to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a - enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.