THEY WILL RUIN YOUR CREDIT SCORE EVEN IF YOUR PAYMENTS ARE ON TIME!!! I was approved $1000 credit. I have made ALL my payments on time and paid more than minimum. Then out of the blue they reduced my credit line and my credit score dropped 52 points because I didn't use the card. But they also limit where you can use it! Can't wait to pay this off and be rid of this company! Synchrony can take the card and shove it!! You people are the worst company!