Sam's Club® Consumer Credit Card Reviews

I opened this card for the rewards/cash back. The first month I used it and paid off the statement balance in full (approximately $300). I used the card quite a bit the next month in order to get the rewards. I wanted to pay the full statement balance of approximately $2200.  I called the number on the card to find out what the policy was for payments posting. I was told it was 48 hours unless the payment was made in store and then it was immediate. I was going to the store anyway, so decided to just make the payment in person. At the store, I was told that since checks are electronic and treated as cash, they credit the same as cash. Much to my surprise when I learned that my payment still had not credited after 48 hours,  that it would not credit for 19 DAYS.  I spoke to 4 different people. The system flagged it as "out of pattern" because my last balance was much lower. Even though I was PAYING IN FULL. They stated that even after my payment CLEARED THE BANK, the funds still would not be released for 19 days because of the amount and that I wrote a check. I asked to see this policy in writing and she said it was not in writing, but it was "flagged by the system" due to the amount and it would not be undone for 19 days, EVEN after the check has cleared. 

My credit score has hovered close to 800 for many years, as I always pay invoices on time, and nearly always in full.  Sadly, I was attracted by the attractive 5% rebate on gas purchases using the Synchrony/Sam's Club card.  Yet Synchrony denied credit several times including for a gas purchase at Sam's Club in my home town, and on at least 3 other occasions recently.  Each time Synchrony falsely claimed that a fraudulent transaction occurred.  The only fraud on my card is by Synchrony itself.  Same credit denial when new Sam's cards were received and activated.  Though I complained, Synchrony never notified me what problems they claim to have occurred on denied transactions.

Synchrony is formerly the dreaded GE Credit that is also well-known for past unethical practices and horrible customer no-service.  I carry 5 or 6 credit cards, but the Synchrony card is so unreliable that I no longer waste time and space in my wallet for this worthless card.  

Don't be fooled by the attractive rebates, as you wont get 5% back on gas purchases if credit for your purchase is denied.  Unless you seek terrible encounters with yor credit card provider, I strongly recommend that you avoid Synchrony/Sams Club cards like the plague.  It's no wonder that nearly every other user has the same opinion and similar terrible customer-no-service experiences as mine with Synchrony.

Just got my card activated and called cs to set up a pin. I've been transfered over 6-7 customer service representatives and still didn't set up a PIN. Only after wasting an hour and a conversation with a manager I finally set up my PIN. I already disapointed and will recommend to nobody to use this credit card. 

Interest rate 23.65% says it all. Of $44.00 payment, $30.00 is interest.

Synchrony bank continues to have horrible customer service.  I paid the card off in full and went to use card and it kept declining the transaction.  After 4 calls to Synchrony , I asked to just close account and for them to Mail a letter stating it was closed and to show it was reported to the credit agencies.  I never received the letter!!

We kept a nice credit history, never late always using and paying, sometimes minimum payment sometimes $400 payments but never delinquent. Our available balance was $500 and after making a payment they reduced the card to $170. It hurt my credit -20 points when I was having for the past 6 months a monthly positive increase on my credit score 

Customer service is a nightmare! Good luck if your card is stolen.

I have a 760 credit score and the entire time I have had this card they have put my APR at 24% which is down right outragious! I am doing a balance tranfere and applied for a CITI card and after the 21mos 0APR it'll be 16%

While the card itself is fine, as I only use it for charging my fuel to obtain the cash back rewards at the end of every year, the customer service for issues regarding the card is worse than a one-star rating. I had an issue with a statement so I called the customer service number and proceeded to have to deal with an automated service for nearly 9 minutes before I even had an option of speaking with a real person! All I needed to do was double check a refund and make a payment over the phone. What an ordeal! Not impressed.

If I could give less than 1 star I will!!! Worest card I have ever had. I was lost my wallet last December 2016, so the credit card was stolen by someone. And the person used my credit card for over $4,000. So I have called the customer service and reported a fraud immediately. They have closed my account and resend me another credit card for furture use. They said they will have to investigate the fraud. After three month, they told me the investigation was closed and they would not give me back the fund. Because they said I made a payment to my account during the three month. How come I do not make a payment to my credit card for 3 month??? If I do not make a payment, they will charge me the interest. This is ridiculous. The person has swiped my credit card for over $4,000. And they just gonna do nothing with it. And let me pay back the money! So is this mean, anyone could uses your sams club credit card, and anyone could stolen your card. It is not safe at all! I will strongly recommedate that NEVER apply this card. It pain in the ***. I will definitly sue them.