kellyr11

4 Contributions 65 People Helped

Member Since: July 2012

Most Helpful Contribution

Walmart Credit Card

Nov 21, 2018
Walmart should fire Synchrony Bank!
Helpful to 51 out of 54 people

DO NOT GET THIS CARD! I was initially approved for $3,500. The first few months I made my payments early (as I do with everything) & found out that they put those payments toward the previous month then charged me a late fee for not making the payments on time for the following months. It took me months to get it straightened out but they finally reimbursed the late fees. I was fine with everything at that point. Fast forward 6 months when I try to buy a new car & I find that they dropped my credit limit to $800. When I asked why, they said because I made multiple late payments when I first got the card. I explained that I did not do this & they were just early but they didn't care. My balance was over $800 at the time so the credit bureaus reported me as over my limit. This dropped my score almost 200 points!!! I was livid as I did nothing to deserve this! Synchrony bank is horrible! Once my current balance is paid off, I'll be closing this card & the two others (discount tire & care credit) who use this bank for their businesses. I would highly suggest everyone find a better bank to deal with! These ppl are crooks!!!

Activity (4 Total Contributions)

Walmart Credit Card

Nov 21, 2018
Walmart should fire Synchrony Bank!
Helpful to 51 out of 54 people

DO NOT GET THIS CARD! I was initially approved for $3,500. The first few months I made my payments early (as I do with everything) & found out that they put those payments toward the previous month then charged me a late fee for not making the payments on time for the following months. It took me months to get it straightened out but they finally reimbursed the late fees. I was fine with everything at that point. Fast forward 6 months when I try to buy a new car & I find that they dropped my credit limit to $800. When I asked why, they said because I made multiple late payments when I first got the card. I explained that I did not do this & they were just early but they didn't care. My balance was over $800 at the time so the credit bureaus reported me as over my limit. This dropped my score almost 200 points!!! I was livid as I did nothing to deserve this! Synchrony bank is horrible! Once my current balance is paid off, I'll be closing this card & the two others (discount tire & care credit) who use this bank for their businesses. I would highly suggest everyone find a better bank to deal with! These ppl are crooks!!!

Walmart Credit Card

Nov 21, 2018
Walmart should fire Synchrony Bank!
Helpful to 11 out of 13 people

DO NOT GET THIS CARD! I was initially approved for $3,500. The first few months I made my payments early (as I do with everything) & found out that they put those payments toward the previous month then charged me a late fee for not making the payments on time for the following months. It took me months to get it straightened out but they finally reimbursed the late fees. I was fine with everything at that point. Fast forward 6 months when I try to buy a new car & I find that they dropped my credit limit to $800. When I asked why, they said because I made multiple late payments when I first got the card. I explained that I did not do this & they were just early but they didn't care. My balance was over $800 at the time so the credit bureaus reported me as over my limit. This dropped my score almost 200 points!!! I was livid as I did nothing to deserve this! Synchrony bank is horrible! Once my current balance is paid off, I'll be closing this card & the two others (discount tire & care credit) who use this bank for their businesses. I would highly suggest everyone find a better bank to deal with! These ppl are crooks!!!

Capital One® VentureOne® Rewards Credit Card

Jul 01, 2019
Helpful to 2 out of 2 people

Visa

How debts in collections affect your credit

Nov 18, 2015
Helpful to 1 out of 2 people

You are very wrong about that! Two weeks ago, I called a collection agency that I had 19 accounts with (that showed on my credit report) for past due medical bills. I asked them if I were to pay them off in full, would they consider deleting all of the accounts from my report. They agreed to do this so I paid the bills off. In return, they kept their word and deleted every single collections account from my file! All you have to do is call them and ask. Some collection agencies will not do this but some will. Hopefully you end up with one that is willing to work with you and will delete them. I am more than willing to help anyone do this! If you cannot figure out how to clean up your credit report, feel free to ask me for help!. It's really not that difficult, it just takes a little time & patience. :)