Synchrony Bank Credit Card Complaint

Synchrony Bank Credit card department,

Credit line increase/decrease Florida

Synchrony bank now owns all of my - consumer credit card accounts! In recent months, they have lowered ALL my credit limits down to the current outstanding balance! This shows I have used all 100 % of my revolving credit causing a financial catastrophe for me in relation to my credit score not to mention my creditworthiness for future financial necessities as well as my credit history! I do not know how this company can get away with treating consumers in this manner! I am of - descent. My oldest card I 've had since -. On the majority of them I have been making my payments on time, managing my balances to not use more than 50 % of the credit. The times I may have been late is when I have been unemployed- Currently am. After the credit reforms in - I noticed Old Navy raised my minimum payment from $90.00 up to $280.00! So I discussed with them to work something out, but as usual, they demanded payment or reporting me to the credit bureau. I have worked super hard since my divorce in - to developed my creditworthiness, lift my credit score and done the right things as an educated consumer, but still are loosing against the bureaucracy of these deceptive and advantageous creditors who seem to circumvent every legal consumer credit rule to squeeze every cent they can out of us. Like limiting submission of payments to post to their websites by - on the actual due date or they assess a late charge?!