I had a credit card that was sent to Synchrony Financial just I was about to pay it off. THey mailed me a letter saying that I had to pay the whole limit off and they were lowering my credit limit. I only had $50 left on it. I argued that I had already paid off the amount they were claiming I needed. They harass me at least ten to twenty times a day with phone calls, sometimes they are a minute apart. Hate Synchrony. They are aggressive and inconsiderate.