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The worst card I've ever had (and I haven't even received it yet)
This might be the worst card I've ever had and I still haven't even received the card in the mail. In fact, it's been less than 2 hours since I was approved for the card and I very much regret it already. So let's begin with what is the worst part for me.
First, my credit limit is $149... I have a credit score that is above 750 and I receive thousands of dollars for my credit limit on all other cards I've ever received. Even when I was a high school student with no income and no credit, I was able to get a higher credit limit than this!
Second, customer service was bad. I tried to ask about this very low credit limit and how it could be increased. What I was told was after a couple months and consistent payments, the limit would increase. I asked more specifically how I could increase the limit sooner because $149 is not very high. The customer service rep said I can apply to get an increase, but from what he has generally seen, most people don't get approved.
Thirdly, this is not my first time using Synchrony. I've had a great experience with Synchrony before both with credit cards and with customer service. I have respect for both Amazon and Synchrony, but these issues really seem to be more of an Amazon-Synchrony problem.
The one nice thing I will say. After applying, I was instantly approved and was able to use the card right away.
If I could take back the hard inquiry to my credit score, I would. My advice would be to stay away from this card.
July 2018 · Unknown