Bests & Worsts Reviews from Amazon

I have read a lot of different comments about this card and honestly it is not ABOUT THE CARD ITSELF but it is ABOUT HOW YOU USE THE CARD. Let me explain you how it works in a simple way: 1) You apply and in a matter of few seconds you will receive a message telling you if your request has been approved or denied. The message will also tell you the CREDIT LIMIT that Synchrony Bank is offering you for your purchases on Amazon. 2) Then it comes the fun part: you can start shopping! :-) Now keep in mind that what matters is the total amount of your purchases: so, for instance, if you buy a laptop for 400 dollars, a camera for 250 and a printer for 150 during the same shopping session and you check out, your total will be 800 dollars and THAT IS THE AMOUNT THAT MATTERS to determine which special financing plan applies to you. In the example above, being the total 800, you would qualify for a 12 months financing without interests charged if you pay the full amount before the dead line: this is the key thing to understand! Synchrony Bank is giving you the chance to pay whatever you buy in monthly installments but THERE ARE THREE CRUCIAL CONDITIONS THAT YOU NEED TO KEEP IN MIND: 1) Every month you must pay a minimum amount. Here is an easy way to organize your payments. So ( going back to the example above) if your total is 800 dollars and you have 12 months to pay the full amount, just divide the total by 12 ( 800 / 12= 66.66) and pay before the due date CLEARLY INDICATED ON YOUR PERSONAL ACCOUNT PAGE. What I normally do is paying a little bit more every month so that I can finish my total payment before the 6 months / 12 months deadline. 2) DON`T FORGET THAT IF YOU DON`T PAY THE FULL AMOUNT BEFORE THE FINAL DEADLINE, you are in a lot of trouble. Let`s say that , for your 800 dollars purchase, your final deadline is June 15, 2016 ( 12 months from the date of the purchase): if you don`t finish paying the 800 dollars before that day, the bank has the right ( and don`t doubt: they will do it!) to charge you a 25,99% interest fee calculated FROM DAY ONE! So your painful interests will be calculated and added to your balance due, not from the day of the deadline but from the day you purchased your items. And trust me: it is going to be A LOT OF MONEY! Plus your credit score will drop and suffer from your missed payments. 3) TRY TO NOT GO CRAZY BUYING STUFF: what I strongly recommend is to finish a payment before you use the Amazon.com Store Card again. So, if you already have a balance of 800 dollars to pay in 12 months, finish paying that before using the card again. Just respect the three conditions above and you will be just fine. It is a store card, with a really high interest charged for late payments, but it is still really convenient for people that want to buy nice stuff on Amazon with the luxury of splitting the payments in several months. Use your brain, don`t go crazy and remember to pay. One more thing: I have read bad things about how difficult is to make a payment. Actually it is quite simple: just login with your User Id and password on Amazon. Go on "Your account", then choose " Amazon credit cards" and access directly to your account with Synchrony Bank. There is a clear option to "make a payment" , linking the account to your checkings account with any other bank. You can also schedule your payments month by month so that you will not forget to pay. I hope that my review was helpful. Pasquale