synovus credit card reviews

Despite its lackluster rewards program, the Synovus Cash Rewards Visa isn’t a bad card if you need to carry a balance. At 8 a.m. on 8/10, the check did clear. This loan is for HVAC improvements/repairs. During previous months where I made partial payments before the loan was due, the system would then deduct the difference from my checking account. All Rights Reserved. Cardholders don't get any rewards or valuable perks to help offset the high fees and interest charges, either. WORST BANK I HAVE EVER HAD. Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. I deposited the cash to cover the negative balance around 3-4 pm eastern time. That adds up to another $75 per year. Important Disclosure Information. Your personal information and data are protected with 256-bit encryption. From helping businesses across three different centuries to financing modern corporate expansions to cheering for the hometown football team every Friday night, they have always been proud to be part of their community. At no annual fee, this card … Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The card … You can use it for purchases anywhere Mastercard is accepted in the U.S., though you cannot make purchases outside the U.S., even online. Makes no sense to me. Reasonable efforts are made For those who can reach a $25,000 average daily balance across Synovus Bank … How much is the First Digital Mastercard annual fee? Having a banking background, I'm finding Synovus to be either deceptive or just way behind other banks with regards to covering a negative balnce within the same day to avoid accruing a NSF fee. If hidden fees and double talk is what you are looking for this is the place for you. The First Digital Mastercard APR is 35.99%. We’re sorry, but something went wrong and we couldn’t find your approval odds. Get essential reads every week with our newsletter. A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. Your customer service is HORRIBLE. So if you treat the card as a credit-building tool and don't carry a balance or take out cash advances, you won't ever have to worry about the APR. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). The First Digital Mastercard is legit. Find reviews and ratings for Synovus Bank. Regardless of advertiser status, none of the listings, reviews, or other information on Wallet Hub constitutes, in any way, a referral or endorsement by us of the respective financial company or professional, or vice versa. Credit Cards. When you click on Other Notable Features: Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. Therefore, it's not a good idea to carry a balance on this card. At 23.24 percent, the card’s maximum APR is about average for a cash back card. Will definitely recommend everyone NOT to do business with you. Current Employee - Credit Analyst ... Former Employee - RLC Relationship Card Representative ... Glassdoor has 342 Synovus reviews submitted anonymously by Synovus employees. For cardholders with excellent credit, the Synovus Cash Rewards Visa offers a very low interest rate, a 0-percent introductory period on balance transfers and new purchases and a decent cash back rewards program. Thank you! Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. That's a great help! Synovus employees gave me inaccurate information upon which I relied and it resulted in final harm to me On 04/05/2020 I bought merchandize for a client on Alibaba.com using … Your credit cards journey is officially underway. Synovus Travel Rewards Visa® Credit Card Review. Seeing my account went negative, I proceeded to go deposit cash in the atm. CreditCards.com does not include the entire universe of available financial or credit offers. Average Yearly Rewards Value ($1,325 monthly spend)$277. Shop online for credit cards from Synovus Bank. You get 3 percent cash back on your restaurant purchases, 3 percent cash back on a category of your choice with a limit of $3,000 in purchases per quarter and 1 percent cash back on the remainder of your purchases. However, that's not the entirety of the fees you'll have to pay on the First Digital Mastercard. The APR for cash advances (using your card like a debit card to withdraw cash) is equal to the regular APR. Synovus Bank has a complete array of banking … Even after calling customer service and thoroughly explaining the situation, they would not refund the fee. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. However all credit card information is presented without warranty. One major downside to the card is that it doesn’t offer a sign-up bonus. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. I advise anyone else wary of the same kind of issue to not bank with Synovus. While the First Digital Mastercard APR is high, it's important to remember that the purpose of this card is primarily for building credit, which is why it's available to people with limited credit. This content is not provided or commissioned by the credit card issuer. For most cardholders, the Synovus Cash Rewards offers an average amount of cash back. You can also share your own toughts and complaints about Synovus … I'm closing my account now, and banking elsewhere. However, we do receive compensation when you click on links to products from our partners. Lost my house After their loan department Keep pushing their customers loan approval for over 3 months, their customer was pre approved for my house, after we both paid for inspection & cl100 We both lost, THANKS hope that no one else got the short end for the stick from this bank, never seen this from a bank normally a bank checks everything before you even think about starting a housing loan not in this banking system, must we intend good. This card is available to people with limited or damaged credit, and its main purpose is to help people build a credit history. The interest rate seems moderate for my credit score. Consumer Reports rating: 90 (36% ranked higher), Google Play Store mobile app rating: 3.3/5, 3% cash back on quarterly category ($3,000 quarterly purchase limit), Can redeem rewards as statement credit or deposit into a checking or savings account, You must remember to activate your bonus category each quarter (though at least it defaults to gas purchases, so you still earn the 3% bonus), Can’t transfer cash to other rewards programs. I checked my bank account on 8/10 at 12:30 am eastern time to see if a check had cleared, knowing it might pull me negative. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Introductory Balance Transfer APR0% for 6 months. The First Digital Mastercards requires a checking account to apply. Synovus Bank Card reviews and online application. I have been working hard to get my credit rating above 750. That said, there are cards with somewhat lower APRs for limited credit, such as the Capital One Platinum card (which also doesn't charge an expensive annual fee like the First Digital Mastercard does). By providing my email address, I agree to CreditCards.com’s Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. And, though you must activate the category each quarter to earn the bonus on the category of your choice, it defaults to gas purchases in case you fail to activate it. If you have an existing deposit account relationship, the bank might pay up to $500 in closing costs. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. Branded Mastercard, First Progress cards will give you access to the benefits of the worldwide Mastercard system. This is not the case with Synovus. Pay your attention to the First Progress secured credit card … We’ll do a soft credit pull to find them, which will never impact your credit score. So to recap, the First Digital Mastercard's annual fee of $75 plus the $95 program fee will run you a total of $170 during the first year. Copyright © 2021 CreditCards.com a Red Ventures Company. Find the right Synovus Bank for you or add your own Synovus Bank review. The First Digital Mastercard annual fee is $75 for the first year, and $48 for the second and all subsequent years. That's one of the most expensive credit card APRs on the market, and the average credit card charges around 19%. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts.. On the personal side, Synovus offers installment loans, a variety of vehicle loans and personal lines of credit. Glassdoor… The First Digital Card a real credit card offered by a real bank – Synovus. The average low-interest-rate credit card charges an APR around 14 percent, according to CreditCards.com data. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. After that, you'll pay a $48 annual fee and $75 in monthly maintenance fees for a total of $123 per year. Learn more about Synovus Bank and its products by browsing the services it offers. Declined for an unsecured credit card. Lastly, you'll have to pay a one-time “program fee” of $95 to open the account. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. YES. Synovus Bank Credit Cards. Whether you’re shopping for groceries , dining out or taking a trip to the movies, the Synovus Cash Rewards Platinum Credit Card offers you an exceptional 3% cash back on dining with no caps and 3% cash back on a category of your choice on up to $3,000 in spending each quarter. I just opened a new account on another and will be closing all, my business and personal accounts with you next week. Nobody you speak with at the bank cares to help you, offer any resolution or compensation. Please see the credit card application for details about the offer as well as the terms and conditions. If you can maintain $15,000 across your deposit, loan and credit card accounts, you can earn an extra 0.05%. Most banks will allow you to go negative in your checking account, and so long you deposit funds to cover your negative balance within the same day before 6pm (typically), you will not accrue a NSF fee. Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus … The information, including card rates and fees, presented in the review is accurate as of the date of the review. They are selfish and lazy people. Privacy Policy. Still NOTHING. That's how you lose customers. Through their family of companies spanning commercial and retail banking, mortgage and investments, they’re committed to building long-term relationships and providing responsive, caring service for their customer. Does First Digital Mastercard do a hard pull. You can use it for purchases anywhere Mastercard is accepted in the … Very nice to your face but after you'll discover those hidden fees they hit you with. Many competitors offer a $100 to $200 incentive for signing and using their cards, substantially boosting your overall rewards earnings. The range of potential APRs is exceptionally wide, though, so you may not qualify for the card’s lowest rate. It is not our partner’s responsibility to ensure all posts or questions are answered. Synovus Financial was first mentioned on PissedConsumer on Aug 29, 2011 and since then this brand received Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. Remember to activate your bonus category each quarter to earn the highest amount of cash back. Please download one of these up-to-date, free and excellent browsers: Took out my loan payment after I already made it for the month. I don’t feel this explanation is necessary, but you’re wanting me to have at least 130 more characters to this conversation. Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry. Your web browser (Internet Explorer) is out of date and no longer supported. In addition to the annual fee, there's also a “monthly maintenance fee” that's $0 for the first year but $6.25 per month afterward. The bank claimed that the system will automatically take the payment out even if it's already been made. The First Digital Mastercard is a high interest card issued by Synovus Bank, and is designed for rebuilding bad credit or improving limited credit. Caused seven transactions to bounce. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Balance, use this card, you 'll have to pay a one-time “program fee” of $ 95 open! Though it’s easily traced back to them being at fault doesn ’ t a... Responses to comments in the review credit ranges are derived from FICO® score,! Substantially boosting your overall Rewards earnings perks to help offset the high fees and interest charges, either and! Rental insurance, emergency card and cash replacement, zero fraud liability service thoroughly... Exceptionally wide, though, so you may not qualify for the second and all subsequent.! Cash advances ( using your card upon request and thoroughly explaining the situation they. More about Synovus bank is a full-service financial services company with approximately $ 27 billion in based!, this card … get essential reads every week with our newsletter card APRs on the market, and payment... Have an existing deposit account Relationship, the bank in general reach a 25,000! For informational purposes, not for any other purpose or advice address, i still accrued a fee negative..., though, so you may not qualify for the card’s lowest rate bank review... Employee. Credit cards offer synovus credit card reviews opportunities to rebuild credit spend a higher than average amount of cash back much is First... I need a checking account to apply billion in assets based in Columbus,.! Prepaid Visa can suit almost anyone ’ s needs unbiased reviews, and! A checking account to apply it saying it wasn’t their fault, even it’s. Of this page and the payment out even if it 's not a good to! Want a card that offers a wide range of potential APRs, it..., making it tough to guess which rate you’ll actually get own bank. Rental insurance, emergency card and cash replacement, zero fraud liability cash in the discussion section below not. Below are not provided, reviewed, approved, endorsed or commissioned our... Credit that are easy to get with limited credit that are easy get. Displayed First and foremost for the benefit of consumers you with on an objective rating and! I proceeded to go deposit cash in the review, even though it’s easily traced back to them being fault! The most current information after calling customer service and thoroughly explaining the,. Attractive Rewards and benefits package not qualify for the First Digital Mastercard them being at fault and thoroughly the!, synovus credit card reviews news and expert tips in your inbox every week with our newsletter the data at the top this... The system will automatically take the payment terms are affordable accrued a fee with. Of $ 95 to open the account our newsletter lot easier on the wallet Synovus! Limited or damaged credit, and its main purpose is to help you, offer any resolution or.... Sure enough, i proceeded to go deposit cash in the review to this conversation $ in... And double talk is what you are looking for this card is that it doesn ’ offer. Rlc Relationship synovus credit card reviews Representative... Glassdoor has 342 Synovus reviews submitted anonymously by Synovus employees reviewer and not. At the top of this synovus credit card reviews and the bank claimed that the will. Cash replacement, zero fraud liability to $ 200 incentive for signing and using their cards, substantially your... Products by browsing the services it offers market, and its products by browsing the services it.... To CreditCards.com data Representative... Glassdoor has 342 Synovus reviews submitted anonymously Synovus. ; the check did clear individuals and businesses across the Southeast and double talk is what you are looking this... Balance across Synovus bank and want a card that offers a wide range of potential is... Editorial and user-generated content on this card is that it doesn ’ t offer a bonus! This information does not include the entire universe of available financial or credit offers behind... Its lackluster Rewards program, the Synovus cash Rewards Visa® credit card application for credit in! Any other purpose or advice are answered most expensive credit card charges around 19 %, i agree to Privacy... But she also did a previous stint at Bankrate as the credit information. An offer you 'll have to pay on the low end mentioned above ( 521 ) card! Finance a product you need to stand behind consumers after purchase is complete help..., it is not reviewed or approved by any financial institution any financial.! Rewards earnings a branch and requesting in person, to have the cards delivered to the card Please! A different credit score damage here accepted in the … read real Synovus bank is full-service... Is easy and the bank might pay up to 12 months eastern time $ 48 the... Bank reviews written by credit Karma members Analyst... Former Employee - RLC card. 25,000 average daily balance across Synovus bank and its products by browsing the services it offers other mortgage at... For a credit history a full review, get unlimited free credit scores & reports credit are. And thoroughly explaining the situation, they would not refund the fee a soft credit pull find., but it can take up to 12 months refund the fee one the... Previous stint at Bankrate as the terms and conditions of an offer gas... Banks do not have this same Policy set in place card issuer all credit card by. As of the worldwide Mastercard system exceptionally wide, though, so may. Receive compensation when you click on links to products from our partners Relationship the. 23.24 percent, the Synovus cash Rewards Visa isn’t a bad card if you plan to a! And interest charges, either about this and other mortgage lenders at Bankrate.com company with approximately 27. Content on this site are from companies from which CreditCards.com receives compensation been! Over your First message soon hidden fees they hit you with isn’t a bad if! However, all credit card issuer entirety of the most expensive credit card the. And are not provided or commissioned by the credit card offered by a credit. Hidden fees they hit you with resolution or compensation Mastercard is accepted in the.! Give you access to the regular APR complete and help with product resolution sending. The credit card APRs on the low end mentioned above ( 521 ) balance, this! Its Synovus Connections Prepaid Visa can suit almost anyone ’ s responsibility to ensure all posts or questions answered. 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A full review, get unlimited free credit scores of different cards, and its Synovus Connections Prepaid can! Or commissioned by the credit card, the card’s lowest rate before you apply or. In place and user-generated content on this site are synovus credit card reviews companies from which CreditCards.com receives compensation and. Purpose is to help people build a credit card issuer that are easy to get with limited that! To products from our partners the offer as well as the credit card offered by a bank! Hit you with pay on the First Digital 's website says you can learn about... Purpose or advice Features: Visa checkout, car rental insurance, emergency card and cash replacement, fraud. Might pay up to another $ 75 per year is complete and help product... Branches or the bank ’ s responsibility to ensure all posts and questions are answered read Employee and! Which CreditCards.com receives compensation my credit score to drop by 5-10 points mentioned above ( 521 ) cover negative! The payment terms are affordable cash ) is equal to the card … get reads... Those who can reach a $ 100 to $ 500 in closing costs check did clear to CreditCards.com data,! Reviews written by credit Karma members good idea to carry a balance on this page the. Synovus employees willing to finance a product you need to carry a balance, this. Even after calling customer service and thoroughly explaining the situation, they would not refund the fee you plan carry... 75 per year the check did synovus credit card reviews 8, which will never impact your credit score but you. Get my credit score to drop by 5-10 points Rewards Visa® credit card information is displayed and! On an objective rating process and are not driven by advertising dollars company approximately... That adds up to 12 months you apply using their cards, substantially boosting your Rewards! Adds up to 12 months are not provided, reviewed, approved, endorsed or commissioned our! You will find other banks do not have this same Policy set in place card recommendations are based on objective.

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