Whenever I purchase a virtual prepaid Visa or CVS gift card from Target, Walmart, CVS, or Kroger, the transaction ALWAYS gets immediately declined or refunded on the merchant's side. I have tried identifying the issue directly with the merchants, but they refuse to answer. And Wells Fargo says that everything is fine on their part.

I've also had a past of not being able to get credit cards.

So, I decided to contact Equifax and TransUnion. They both said that my sister's name and address are on my Social Security Number.

I understand that no one here will know for sure, but I at least want some input. Do you guys think that this discrepancy could possibly be the reason why certain purchases are getting declined? And how can I get rid of this mismatch?

I pay off my discover credit card every month but I try to leave at least $2 so it won’t close but every time I do my next statement it says it’s a 0 balance and that it was paid I wasn’t getting charged for the $2 and they weren’t taking it out of my cash back so why would discover pay my balance every month ?

Hey all,

After taking a few months to build some budgeting habits and started building my credit back when I was 18 (I'm 22 now), I'm sitting at a 761 credit score according to Experian and I'm about to start transitioning to using strictly credit for most of my spending.

Cards I Currently Have: Capital One Quicksilver, Discover it (first card, rarely use), AMEX Platinum (Just got it!)

Important notes: I'm currently active duty military, so apparently a lot of these annual fees are waived (Amex, Chase, Citi). It's why I got the Platinum, but I don't want to use it as my everyday spender.

Despite having used credit cards for about 4 years, I'd like to have a card that keeps things simple or has minimal complexity. I've seen a lot of posts similar to mine, but I wanted to ask what people would recommend if annual fees weren't a barrier!

Hello everyone. Looking for a new travel credit card with a high sign up bonus, not concerned about hitting spending limits since we are planning a wedding! We have the cash savings to pay for it so don't care about APR. Even a modest wedding means some big spending in 2025, like the catering down payment alone is around $2K. We are also doing some modest renovations on the house so we really would like to get a good SUB with all the costs in 2025. Our venue charges a CC fee unfortunately but other vendors do not or perhaps it's worth the fee depending on the card. We both already have the Chase Sapphire Preferred. Considering the Delta Skymiles Amex Reserve card or Delta SkyMiles Platinum Amex - any thoughts? Or another AmEx? Apparently the Venture X isn't great if you're near a big Delta hub like us.

A little additional context: I travel for work about once a month. I used to live near a United Hub (hence the Mileage Plus) but moved within the last 2 years. I have about 50K miles on United and 50K on Delta from work travel. I have 80K on Chase Sapphire and my partner (used the referral) hit the 60K signup bonus with the ring. We are planning on having him come on an international work trip with me in January since my flight and hotel will be free, but he plans to use his CSP miles to book his ticket. Thus we are still looking for a big sign up bonus to help us on the honeymoon of our dreams, possibly either SE Asia or Western Europe (Italy, France).

• Current cards: (list cards, limits, opening date)
  • Capital One Quicksilver, $5K, July 2017
  • Barclays Mastercard (formerly Barclays Uber CC, RIP), $11K, December 2017
  • Wells Fargo Propel AmEx, $3.5K,, January 2019
  • Chase United Mileage Plus Explorer (planning to downgrade or cancel at year end), $7K, May 2019
  • Chase Sapphire Preferred, $17.5K, August 2020
• FICO Score: 802
• Oldest account age: About 10 years
• Chase 5/24 status: 0/24
• Income: $115K individually, $260K combined with my partner
• Average monthly spend and categories (our combined estimate):
  • dining $400
  • groceries: $500
  • gas: $200
  • travel: Varies. Like to take 1-2 big trips a year but I also travel domestically ~1/month for work and internationally 2-3/year for work. I have a few friends likely getting married in the next few years so will be upped again.
  • other: Pet care, household items/home maintenance, etc.
• Open to Business Cards: No
• What's the purpose of your next card? Travel sign up bonus
• Do you have any cards you've been looking at? e.g. Chase Freedom Unlimited
• Are you OK with category spending or do you want a general spending card? Either. I do like things like priority boarding and lounge access with travel but it's not a complete necessity.

3 year history - 8 credit cards (Deserve, DiscoverIT, Fintech Startup, CFU, CSP, Gold, CS Platinum, USBAC) - 0/6, 3/12, 6/24 - 30k limit

Denied pre-approval: too many revolving accounts, credit limit(s) on closed account(s), insufficient revolving credit history, insufficient credit card history.

Should I still apply for VX? Any workarounds like freezing a bureau?
Also, what does "credit limit(s) on closed account(s)" mean? I closed a Platinum but it was in good standing.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:

  • Citi custom cash - CL 2900 - October 2024
  • Amazon Chase card - CL 8700 - September 2024
  • Us bank altitude Go - CL 500 - February 2023
  • Robinhood gold card - CL 5000 - August 2024
  • Fidelity rewards visa signature - CL 8700 - June 2023

• FICO score: 734 experian

• Oldest credit card account age with you as primary name on the account: Us bank altitude go, 1 year and 9 months

• Number of personal credit cards approved for in the past 6 months: 3

• Number of personal credit cards approved for in the past 12 months: 3

• Number of personal credit cards approved for in the past 24 months: 6

• Annual income $: 42k

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: Yes
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • Dining $: 70$
  • Groceries $: 300$ at groceries, 100$ at Target (I have the target red debit card), 100$ at Walmart.
  • Gas $: 0
  • Travel $: 100$. All money is spent on a big travel to my home country, where I do not use hotels and fly economy.
  • Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): phone+internet is 50$ per month
  • Any other significant, regular credit card spend you didn't include above?: No
  • Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• Current member of Amazon Prime?: No
• Current Verizon postpaid customer?: No
• Current member of Costco or Sam's Club? No
• Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? No
• Current member of Chase, US Bank or any other big bank?: Yes, of US Bank.
• Active US military?: No
• Are you open to Business Cards?: No

PURPOSE

• What's the purpose of your next card (choose ONE)?: Trying to maximize my cash back potential. I feel like I am pretty close to being fully optimized, but I want to be sure that I am not missing anything. I will probably try to get a new one on January or February.
• Do you have any cards you've been looking at? Citi rewards+ (to maximize the cashback with the citi custom cash card), Us bank Cash+ (for phone and internet), Us bank altitude reserve (for travel perks without AF), Bank of America customized cash rewards (for museums).

Have had the Alaska card for a long time and used the companion fare almost every year (we are located in cities that have many Alaska flights). Since my wife also has the same card with the companion fare and most of our spending are done with Chase Sapphire, I am debating if we should cancel one of our Alaska cards and maybe reapply to get the SUB again. Does anyone know the rules for getting the SUB second time? New card has a $6000 spending requirement to get the companion fare - can this be the reason to keep the old card?

Hey everyone, hope you're all good!

Quick intro: I'm igsvieira, living in Brazil, currently a student working on my second degree.

So, let's get to the point.

I'm feeling kinda desperate, to be honest. I've got a debt that's not huge, but I've been stuck with it for years. I can't shake it off, and the jobs I find here don't pay much. I've tried to get organized and all, but my life has been a struggle between bills I HAVE to pay and a credit card debt that's gotten out of hand, thanks to some poor decisions when I was younger. I can't get help from my family, and I can't make enough extra income to deal with it.

I owe a total of R$8000,00 (about US$1365.19) in credit card debt. Like I said, it's not a massive amount, but I don't earn enough to manage it.

This is a call for financial help.

I know this isn't the usual kind of post for this subreddit, but I hope you'll accept it and help in any way you can, even if it's just with some positive messages.

Thanks for reading this far.

I won a Visa Debit Card (Gift Card) in the US, but upon arrival back to Canada I realized that it states "VALID ONLY IN THE UNITED STATES". Is there any way to make purchase with this card in Canada? I have already tried Amazon dot com (instead of dot ca), but the payment was rejected. I have confirmed that there are funds on the card.

Thanks in advance.

On the credit card tab, the Altitude Reserve is no longer listed as a credit card option. However, it appears to still be active on the main credit card homepage.

Have 3 CC's right now (in the process of rebuilding my credit)

Cap1 Plat Secured (Oldest 5-6 months old)

Cap1 QuickSilver One (2 months old)

NavyFed nRewards Secured (Just acquired last week)

My question is in regards to the Capital One Platinum secured card, and closing it. I know it's my oldest account (albeit not old at all). Will this have any damaging effects? Is it better to do this now, opposed to later? The reason I ask is because it has a $300/secured limit. Have heard of Capital one never graduating anyone, or being bucketed. So Should I Just continue using the (unsecured card and work towards limit increases) and also use the NavyFed card to continue building my relationship with them?

What would you do? Thank you

Hi everyone!

I hope you’re doing well. I recently upgraded my U.S. Bank Altitude GO to a U.S. Bank Altitude Reserve card. I called on 10/26 to make the upgrade and received my card on 10/30 (it was overnighted, but a little delayed I’m assuming because of the weekend.)

I activated it Wednesday evening as soon as I got home from work. However, I’m not seeing the SUB tracker in my app as some people have suggested seeing for an Altitude Reserve product change. I know it’s only been a couple of days, and the app still shows a lot of verbiage that says Altitude GO instead of Altitude Reserve, but I’m starting to wonder if I won’t get the SUB for the product change. For context, my Altitude GO anniversary was on 10/24, however, this is my second product change with U.S. Bank. My first card was the Cash+ and I applied for that in April ‘22. If it’s helpful, I have a $8,500 limit.

My questions are:

1. Did I mess up by not product changing near my original card date? (Cash + in April) I am very close to my anniversary date of the Altitude GO (by a few days.)

2. For those of you who never had a SUB tracker appear in the app or website from a product change, did you still get the SUB by spending $4,500 in 90 days?

3. How long did it take for the SUB tracker to appear in the app if you did get it?

I’ve only ever seen redditors who have stated they received the Altitude Reserve SUB from a product change, so I’m wondering if anyone out there got unlucky and didn’t receive a SUB after product changing to the Altitude Reserve? Trying to keep my hopes up haha.

Any information is appreciated!

Hi everyone,

I have been looking for an answer to this question online but am still getting confused, can someone explain to me in very simple terms whether your credit score will be negatively impacted by using more than 30% even if you pay it off in full? I am still somewhat new to understanding credit and would love some help to know for the future.

Here’s some context: I purchased a flight on my credit card that has a limit of $2,000 (the flight was around $1,000) and just paid it off in full but it seems my credit score has dropped quite a bit. This feels wrong to me considering I just paid it all but I could be wrong in this as I feel often that common sense doesn’t always apply to credit rules 😅

Thanks!

I currently have the following cards:

AMEX Platinum 30 days old Capital One Venture 8450 CL, 8 years Capital One Platinum 500 CL 10 years

Current scores: Experian FICO score 8 - 821 TransUnion Vantage Score -776 Equifax VantageScore -799 Experian VantageScore - 799

I’m currently considering the following cards, whose SUB spending requirements I could satisfy::

Amex Gold (90K SUB) 2nd Cap One Venture (75K SUB) Citi AAdvantage World Elite (50K SUB) or Business World Elite (75K SUB)

My monthly spend is about 5000. Most of the spend occurs outside the US.

The airline partners for Capital One points, AMEX membership rewards, and Citi Aadvantage are all useful for me.

I am mostly focused on rapid point/mile accumulation through SUBs.

I’d be really grateful if anyone could help me with the following questions :

1.) In what order and timing would you sign up for these cards?

2.) what is the likelihood of me being approved for these cards?

3.) given that I would have multiple cards with Amax and Capital One, if I decided to close or downgrade one of the cards, do I have to transfer the points out to an airline program prior to that downgrade or closure?

I would really very much appreciate any input or suggestions. Thanks so much.

Basically with the cards I have I came up with two different cashback setups back core setups but I can’t decide which if the two would be better to use over the other.

My average monthly spend is:

Groceries: 300-400 Dining: 500-600 Gas: about 180 Streaming: 94 of Apple App Store codes for it, about 40 dollars if it dosent.

The first setup is a 5 card setup consisting of the Citi double cash (catch all), Savor One (now Savor) for groceries, streaming and entertainment, Wells Fargo Autograph for Gas, dining, and transit, Citi Custom cash for highest catagory (which would be dining), chase freedom Flex (5 percent rotating. Though to be honest I’m not a super fan of rotating catagory cards so I may even drop this but still deciding)

The second setup is the Amex BCP (groceries, streaming, gas), Citi Custom Cash (dining), Citi Double Cash (catch all), and Savor one for entertainment. Maybe using the Flex on the rotating that Gas comes up.

The other card I have available to use that maybe could be slotted in if needed is the AMEX BCE for Online purchases or if I decide to drop the BCP

So which of these two setups would you say is probably best?

From its descriptions, it only says you must pay your phone bill with this card, but doesn't say the phone must be purchased with this card. So I have an old phone that's bought few years ago before I even heard of this card, would that be covered if it's damaged (in fact already have some non-critical damage)? (it would sound too good) https://www.wellsfargo.com/credit-cards/active-cash/guide-to-benefits/#cell

I just applied for the AAA signature travel card for the good cash back on gas (5%) plus the other 3% on everything else. Was given a decent credit line and was approved. Card didn’t even come in the mail before I got an email saying there was some sort of account protection thing needing me to verify myself, did that, card finally came in and I activated it, no problem with that, when I used it it was denied. I called customer service today and dealt with robot voice twice where when I put in my account they just told me it was closed.

Finally managed to get a hold of someone, they pretty much blamed me for making late payments on other credit cards and having bad credit and gave me a transunion phone number to call(this pissed me off).

Hung up and called back and was told by another person it was closed by the bank (Comenity) and they had no idea why either, found some supervisor to talk to and they said it

Anyways that aside has anyone ever had similar experience with this card? Or with the bank in general? It doesn’t make much sense to me as I’ve literally never used the card. Why would they approve me and go through all the effort to send me a card and let me activate it just for it to be cancelled immediately? Thanks!

I got some credit cards recently. 

My credit file was pretty thick to start. I have student loans, about 10 credit cards before this streak, perfect payment history.

Profile ca. early August 2024

Income: ~$180k

Credit Score ~780-830 (depends on bureau and monthly utilization)

Average Age of Accounts: 9.3 years

Oldest Account: 18 years

Open Frequency Status: 0/6, 1/12, 2/24

Accounts:

• Credit Cards - $72,700 CL, 9 open, 0 closed
• Revolving - ~$180k, 7 open, 15 closed

Credit cards:

• Issuer // Card // Open date // Credit limit
• AmEx // Blue // 2011-10 // $13,500
• Barclays // View (RIP Uber) // 2018-11 // $2,000
• Chase // Amazon Prime // 2018-12 // $9,700
• Chase // Sapphire Reserve // 2018-12 // $13,300
• Chase // Freedom Unlimited // 2019-02 // $14,700
• Capital One // Quicksilver (was Savor for SUB) // 2019-02 // $5,000
• AmEx // Platinum // 09-2022
• AmEx // Gold // 06-2023
• Goldman Sachs // Apple // 2024-02 // $14,500

Series of applications

Format of each data point:

• Card // SUB // Application Date
  • Result
  • Credit Bureaus
  • Credit Limit
  • Statuses
  • Additional notes (optional)
• American Express Business Platinum // 250k MR, $15,000/3 mo // 2024-08-26
  • Instant approval
  • None
  • N/A
  • 0/6, 1/12, 2/24
• Chase Ink Business Preferred // 120k UR, $8,000/3 mo // 2024-08-26
  • Under review
  • EX (789) on 08-26, TU (802) on 09-03, EX (785) on 09-03
  • $5,000
  • 0/6, 1/12, 2/24
  • Approved 2024-09-03 after uploading docs and calling recon 2x to advocate the existence of my new business
• US Bank Altitude Reserve // 50k pts, $4,500/3 mo // 2024-09-04
  • Instant approval
  • TU (798)
  • $17,000
  • 0/6, 1/12, 2/24
  • No prior relationship with US Bank
• American Express Business Delta Reserve // 75k miles, $10,000/6 mo // 2024-08-25
  • Under review
  • None
  • $22,200
  • Some credit re-appropriated from Blue card; approved when I called recon on 08-28
• American Express Delta Platinum // 90k miles, $4,000/6 mo // 2024-09-04
  • Instant Approval
  • None
  • $21,500
• US Bank Cash+ // $200, $1,000/3 mo // 2024-09-16
  • Instant approval
  • TU (785)
  • $10,000
  • 1/6, 2/12, 3/24 (AmEx takes a while to report, so the previous card isn't reported)
• Chase Ink Unlimited // 90k UR, $6,000/3 mo // 2010-10-25
  • Under review
  • EX (800)
  • $7,000
  • 2/6, 3/12, 4/24 (AmEx still hasn't reported)
  • Approved after calling recon, no additional info req’d

Help me understand this as I am new to credit cards. I want to set my autopay up to pay off the entire balance that is due so that I don’t have to worry about always having to manually pay it off as I am now. The autopay options that are given are „minimum due“ and „statement balance“. I select statement balance but everytime for whatever reason is shows me a random amount that is scheduled. For example my current balance on my credit card is $227 and the autopay amount that is scheduled is $31.06 on the due date. How does that even make sense.

It’s been a month since I got this new credit card from Citi shop your way Mastercard. However, I am not seeing any offers in the offers page of my online account or even in my email. However, I still qualify for the sign up bonus. Should I wait few more months or otherwise wait for the 90 days of promotional period to start getting those insane offers others been touting about?

Or am I missing any steps which might be required in order for me to get those offers?

I do get email on my registered email address from this card but not those insane offers yet in my email.

I am planning out the cards I want to get and this is what I’ve come up with. I was planning on starting off with the Discover, wait 6 months, get the Savor, and then another 6 months later get the Fidelity. I was wondering if this is a good plan to get cash back as a student. My plan is to invest all the cash back I get since I won’t be spending enough to get a substantial amount back.

I just opened my Capital One account and my Walmart CC was gone, all I see was a Quicksilver CC? What is happening here?

Hi everyone! I apologize about the lengthy post ahead. I’m 26 years old and looking to get a credit card, as things have been tight the last few months since I moved into my own place, and I don’t have much to fall back on. I currently have one credit card, CareCredit, that I use for doctor/dental appointments. It’s been paid off since August. It has a credit limit of $2000. I am also an authorized user on my dad’s American Express Platinum card, which he uses regularly (and I have never used). He also makes regular payments on this card, of course. I messed up when getting my first credit card (Woodforest National Bank) 5+ years ago, I ended up getting sent to collections (paid it off as soon as I got that letter) and I’ve been building my credit back up ever since. My credit score is currently about 730. I currently bank at Blue Eagle Credit Union, I have a checking and savings account but that’s all. They have asked me about opening a credit card a few time in the past year, but I had declined because I was worried I’d mess it up again. I want to consider cards that will give me the best bang for my buck and hopefully help me build my savings. I don’t go out often and I don’t travel often. I grocery shop once a week, get gas once every 1-2 weeks, and get fast food occasionally (average 4x per month). I don’t have a car payment, but I do pay rent and utilities (gas, electric, and WiFi. Water/sewage is included in rent.) I’m not sure if any of this info is necessary, but I added it just in case. I don’t want/need a huge credit limit. $500, $1000 max. But I see offers like $200 cash back if I spend $1000 in 3 months, which I could do in a day just by paying rent 😂 I want to be smart about this though, and make a good decision that will benefit me in the long run. Unfortunately, I am not that smart and I have no idea where to start looking. So, I have come to Reddit in order to plead for help from all of you fine intelligent folks. Please help me 🙏🏻🙏🏻🙏🏻

For those that have held on to this card, are you holding on and sticking with it? If so, please share why and the value that makes it worth it. A wave of folks, even power users of the card with good history, are now reporting sudden credit limit reductions.

I’ve held the card since early 2022, but just closed it after dramatic credit line reduction. I barely used it, and only got it for the initial hype/ highest credit line I had at the time. I’m not interested in the Robinhood platform or its reward program at this time.

Plenty of cards and long history that I’m not concerned about losing the utilization.

I don't want to be embarrassed at a register getting declined. Apparently I can build up my buying power quicker? What's the advantage of buying power over credit limit?

My dad opened a credit card in my name when i was 18 and used it to build my credit score. idk what my credit score is rn but my dad did say it was good. He gave me the credit card when i moved out on my own, but said I can only spend it on gas and water/electric bill. He pays it off each month.

I want my own credit card without him knowing what i'm doing, if I open a new credit card, will he be alerted?

I only have one credit card right now, a Visa through my credit union, and some transactions take up to a week to post. I hate it! I budget with YNAB and manually enter expenses, but I have my accounts linked, and it's frustrating how items stay "uncleared" because my credit card was taking a nap. This is my first credit card that I got more than 2 years ago, and while it was a good intro to how credit cards work, I now realize it's could be a lot better.

I browsed the recommendation template and pulled these notes to answer some questions:

- My FICO score is 746.

- I always use my points for statement credit, so I'm open to that sort of system again, or a cash back-style card would be interesting. My partner has a Capital One cash back card and a Discover card, so I'm also inclined to something that's not one of those, to complement our rewards potential (though we're certainly not trying to max out).

- I put less than $3k on my card a month, and more often around $1.5k. I put most of my spending on it, but I can't currently pay rent by credit card.

- A business card is not for me. I don't want one with an annual fee either. I don't have any of the memberships or subscriptions mentioned.

I just want an all-purpose card with half-decent rewards that will post transactions rapidly and thus show a more accurate balance. TIA, Credit Card Reddit!

I had a chase sapphire card and definitely didn’t optimize it, but had it from ‘22-‘23 and transferred it to the freedom in ‘23. I noticed I only get a $1=$1 equivalency when using it for chase portal travel. Any transfer recommendations? I don’t stay in hotels often enough to use Hyatt or Marriott transfer points.

Hi! As the title says, I went through U.S. Bank’s pre approval tool for the altitude connect go and was pre-approved. Upon clicking confirm on the pre-approval screen, I was met with a “ You'll hear from us once we finish reviewing your application. This can take 7 to 10 business days.”

What should I do now? Should I call the recon line? And if so, what’s the recon line’s number for U.S. bank? Thank you!

I’m going to file this complaint no matter what but would like any input on using trigger words. Basically I want Synchrony to read this and think “This woman’s not going away so let’s give her what she wants”. I’m not going to give any background because if it’s not clear in my complaint then I need to make it so. Here is the complaint I plan to submit. Advanced warning for those with punctuation sensitivities; mine sucks.

I have a Care Credit MasterCard from Synchrony Bank. On November 10, 2022 I took advantage of an offer for 2-years deferred interest for the purchase of Lasix surgery. The initial purchase amount was $4190.00. I began paying $175 per month towards this purchase with the first billing cycle. Over the two year period other purchases were made by me as well as other deferred interest purchases. In June of 2024 I realized that the balance on the deferred interest charge from the 2022 was coming due soon and still quite high. I started working hard to make extra payments so I wouldn’t occur the accrued interest on this purchase.

When I examined my statement today I realized several large payments were applied to the non-promotional balance on my account as opposed to the promotional balance with accrued interest. I immediately called customer service to inquire why they did this when there was a deferred interest promotion coming due. They stated that it was Federal Law to apply payments to the highest APR balance first (not entirely true) unless the consumer requests the payment be allocated to the deferred interest balance first.

I asked them to please move my payments from July, August and September to the promotional balance and was told they couldn’t reallocate any payments made over 60-days ago. I spent several hours on the phone with them and after speaking with three supervisors they finally reallocated the September payments but refused to reallocate any older payments.

This is a blatant money grab by asynchrony Bank. There is absolutely no reason they can’t reallocate my payments to my promotional balance and adjust any interest and balance due under regular charges that are currently incurring interest. As of the October billing cycle the deferred interest charge totals $2,349.67.

I believe it is the intention of Synchrony Bank to intentionally misapply consumer payments on accounts with deferred interest and make it very difficult for the consumer to correct any payment allocation issues once they are discovered. Their obvious intent is to collect the interest on all deferred interest payments regardless of a consumer’s payments. There is no clear indication on consumer statements, company websites or payment sites regarding the need to request a specific allocation of payments. I was told the consumer must call the company immediately after every payment is made to request their payments are applied to an interest deferred payment and that said request may be denied. Is this something the consumer is supposed to know instinctively? By Synchrony placing the onus to specify which balances are to be paid with each payment yet making no clear indication of a consumer’s responsibility to do so, while also possibly declining said request altogether, they have a system designed to ensure the consumer’s failure to take advantage of the promotional purchase they were initially offered. Synchrony has basically guaranteed they will receive interest on all consumer purchases regardless of the terms. Is it bait and switch? Is it fraud? It may not be either but it’s darn close to being both.

In order to resolve this situation I request that Synchrony reallocate the following payments as indicated:

July 10th, 2024 payment in the amount of $519.93 should be applied to the promotional balance while the non-promotional balance should be adjusted accordingly.

The August 8th, 2024 payment in the amount of $400.00 should again be applied to the promotional balance while adjust the non-promotional, standard balance by the same amount.

There are other smaller payments that have been allocated to non-interest deferred charges but the above the most egregious and the only ones I’m asking them to fix.

I have had a CareCredit MasterCard since its inception in 2021. I have not gone back through my statements to see what other payments were applied in a manner that would lead to me incur deferred interest charges, nor do I want to at this time. I will accept the adjustment of only those two payments mentioned above. However, as a side note, I have to wonder how many hundreds of thousands of consumers have experienced problems with Synchrony Bank’s payment allocation protocol and thus incurred hundreds of thousands of dollars in deferred interest charges since Care Credit issued a general purpose MasterCard in 2021? Shouldn’t this issue be addressed in the name of consumer safety and fair lending?

I appreciate any assistance in this matter and the willingness to address consumer complaints regarding finance. I’m sending my Care Credit statements from May through October in the hope that you will bring this matter to Synchrony’s attention.