Despite receiving minimum required monthly payments, on time and in full, Synchrony would alter or adjust the required minimum to be greater than the original ask, and then report the payment as either late or missed entirely to the credit bureaus. They have severely damaged my credit score, and because they unscrupulously change and increase the required minimums, they have tacked on so many late fees that my balance has actually increased over time. Even after agreeing to enter into CESI (credit consolidation) and accepting the agreed upon payments, they still persisted to report the payments as late, and even went so far as to close my accounts in a derogatory way. They are absolutely the worst creditors I have ever dealt with, and it's obvious that their goal is to keep accounts open with unethical late fees and billing practices. I would never recommend their services to anyone, and I will never open another account with them, even if it was an emergency.