Signed up for their Paypal 2% Cashback card. Got
approved (no surprise there, my score is great). I
was given the lowest limit that I've ever been
given by any credit card ever of $700. Called to
see if they could raise it, but they couldn't
without hard-hitting my credit again. So I
declined, figuring I could just pay it off as I
used it. I rarely spend more than $700 per day,
anyways, and drafting the
funds from my bank account is a quick process.
Turns out you can't do that, either. If I make a payment on my Capital One Quicksilver card, drafting directly from my bank account, Capital One will pull the money and credit my account within 24 hours. But with this Paypal card, they will take the money from your account, and then hold the funds for up to two weeks before crediting your account. So now I only use it on a single recurring monthly charge, just so I won't have "hard hit" my credit for no reason.
Furthermore, their customer service is atrocious. Calling their numbers leads to a voice recognition system that doesn't seem to recognize English, no matter how clearly you speak, it doesn't recognize the numbers you type when their voice recognition system fails, and their actual Customer Service are all people who don't speak English as a first language, making them very difficult to understand. They DO have a Live Chat system, but it's only available from 9AM to 10PM (EST), Monday through Friday. For someone like me, who works third shift, I either have to use it right before bed, or first thing after I wake up.
In hindsight, I wish I had applied for the Citi Double Cash instead. I can't say whether Citi's system would be any better, but it most certainly couldn't have been worse than Synchrony. As it is, I just keep using my Capital One Quicksilver card, which offers 1.5% cash back. The extra 0.5% cash back that the Paypal card offers just isn't worth the hassle of dealing with Synchrony.… read more
Reviewed by: @i_h8_spam