Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Credit line increase/decrease Pennsylvania

I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future. I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped


I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the - based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was $-, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my -. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down - points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays. Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.