Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Credit line increase/decrease Florida

I have a credit card with Synchrony Bank, a PayPal Smart Connect card. ( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of $75.00 ( $150.00 per month ). My balance has been steadily decreasing and on - -, 2015 my balance was $650.00. I got a letter from Synchrony stating that they were lowering my credit limit from $1100.00 to $660.00. I had made $75.00 payments on - -, - -, - - and - -. I have used the card for only one $50.00 purchase. On Tuesday, - -, I checked my balance and it was $700.00. I had been charged a late fee pushing me over my credit limit and then they charged me $14.00 interest on a balance of $670.00. Keep in mind I 've paid $300.00 toward this card since - - and I have used it for only - $50.00 purchase.


and my new balance is now still more than I owed on - - ( I 've made - additional payments since - - and I have n't used the card in - ). My new balance should be less than $650.00 which was my balance at the beginning of -. ( 2 ) Since - - I have made $300.00 in on time payments, have not used one time ( $50.00 ), show no purchases for - on my statement and yet my balance has gone up by $50.00. How can I pay $300.00 toward a - balance, make - $50.00 purchase in - and end up with a $700.00 balance on - -? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. ( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.