I have an Old Navy card through Synchrony Bank. I have ALWAYS paid off the balance after it was used or I paid more than the minimum payment. I came to find out today that my credit limit was cut in half because I missed ONE payment. I missed this past January's payment and they cut my credit limit in half.

The card’s company closed on me with NO REASON. But I’m guessing like other reviews it’s was because my score went down a little and I’m now high risk or something. Not worth it for this card. If you have it get a kohl’s charge instead. Much better store.

I had an Old Navy card for less than one year. Credit Karma warned me that my account had been closed. I called customer service thinking it was a mistake, only to be informed that another credit review had been performed and that I was now considered a risk - so they closed my card. I asked to be transferred to a manager and received a woman with a bad attitude who was less-than-helpful. She told me that it was based on an algorithm and "that was that". I asked for an actual person to review my file and was told that she would escalate my case and that I would "receive notification of their decision within 30 days" - which we all know is basically a big fat no. I cannot even explain how little sense this all makes. My score is, and has been, in the Fair/Good category - it has not dropped. I own my own home, have had the same employer for six years, and my income goes up yearly. My debt-to-income ratio has not changed. I was never late with a payment and made sure to use the card frequently enough to show activity. I have spent years repairing my credit after a disastrous divorce. Trust me, I spend a lot of time monitoring it - there was NO good reason for them to do this. If you are considering opening a card, please hear me out. I will say it one more time; there was NO good reason for them to do this.

Got card around May, used in late September for $118 for school clothes. Paid off in early October before and on the due date. Then they closed it in late October. I call to ask why and because of my balance and activity on my other ccs their decision was based on the totality of my credit. I call bull. Since May, I've had other cards give 3 increases and paid off 3 others. All my cards are paid on time. Won't deal with this bank much longer. And my thing is if you have multiple cards by same bank, then all the cards should be closed, not just one. Total bs.

I have a perfect credit score now smeared by this idiots, they closed the account for no reason, avoid Syncrony Bank

I kept this card with a $0 balance for TWO months and they closed the account TWICE because of "security issues", yet I paid everything well before any due dates in full.

Synchrony bank sucks,enough said..credit score was 628 Equifax ..Avoid anything Synchrony bank,they not giving any under dog a chance.

Had this account for several years, paid on time and often paid off. After a fubar on THEIR behalf, they lowered my credit limit. Then after a 'credit bureau' review, closed the account. Funny, my credit is higher and in better shape now then when they originally issued me the card, except for the ding I just got because they closed my card. And dealing with their obvious off shore customer service is painful at best. If you value your credit, find another card.

As many others have stated, they closed my account about 2 weeks after my most recent payment, paid on time every time for 2 years and 2 months. The card itself was fine I guess, but it's disappointing that they closed it without warning, I used it monthly and that's the only way you can get the largest discounts and rewards.

The interest rate on this card is insane. Had a balance of $3,000 and they said it would take me 13 years to pay it off and the interest would of brought the total to over $12,000. The customer service is horrible as well. Stay far away from this card.