You can learn more about how to minimize the credit score damage here. The First Digital Mastercard is legit. 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. My balance was still showing fine; the check had not cleared. They are a pathetic company and I will continue to say so until they reimburse me because nobody there is held accountable for their careless actions. However, all credit card information is presented without warranty. The bank claimed that the system will automatically take the payment out even if it's already been made. Information is displayed first and foremost for the benefit of consumers. Privacy Policy. This is not the case with Synovus. All Credit Cards are subject to credit … Synovus Bank is a full-service financial services company thatâs proud to meet the banking needs of families, individuals and businesses across the Southeast. The First Digital Mastercards requires a checking account to apply. At no annual fee, this card … And there are plenty of cards that are easy to get with limited credit that are a lot easier on the wallet. I did try Cap One and they declined and provided me with my credit score on the low end mentioned above (521). But be sure you can qualify for the cardâs lowest rate before you apply. Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus … Credit Cards. You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). Copyright © 2021 CreditCards.com a Red Ventures Company. 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. Your credit cards journey is officially underway. I donât feel this explanation is necessary, but youâre wanting me to have at least 130 more characters to this conversation. The app is slow but easy to use, the 0 annual fees are great, the 1.5% cash is great, I got a great … So I pay all of my accounts on the first of the month, unless the first day falls on the weekend and the bank is close. The First Digital Card a real credit card offered by a real bank – Synovus. If you can maintain $15,000 across your deposit, loan and credit card accounts, you can earn an extra 0.05%. For home equity lines of credit, Synovus offers a 30-year Total Line of Credit HELOC with rates as low as 4%. Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. By providing my email address, I agree to CreditCards.comâs Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. The First Digital Mastercard is a high interest card issued by Synovus Bank, and is designed for rebuilding bad credit or improving limited credit. Very nice to your face but after you'll discover those hidden fees they hit you with. Therefore, it's not a good idea to carry a balance on this card. You spend a higher than average amount on restaurants, groceries or gas. I advise anyone else wary of the same kind of issue to not bank with Synovus. This content is not provided or commissioned by the credit card issuer. Pay your attention to the First Progress secured credit card … This account has been paid off on 02-03-20. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. If youâre willing to finance a product you need to stand behind consumers after purchase is complete and help with product resolution. Synovus Financial was first mentioned on PissedConsumer on Aug 29, 2011 and since then this brand received 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. Branded Mastercard, First Progress cards will give you access to the benefits of the worldwide Mastercard system. The offers that appear on this site are from companies from which CreditCards.com receives compensation. In a Nutshell: The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances… That's one of the most expensive credit card APRs on the market, and the average credit card charges around 19%. However all credit card information is presented without warranty. The First Digital Mastercard is legit. By providing my email address, I agree to CreditCards.comâs Read real Synovus Bank reviews written by Credit Karma members. All reviews are prepared by CreditCards.com staff. See your unique approval odds listed next to cards on our site. 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. Keep an eye on your inboxâweâll be sending over your first message soon. Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Instead, youâll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards youâre likely to be approved for. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 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. The issuer’s responsibility is to set the credit card requirements, set your credit … Get essential reads every week with our newsletter. This card is available to people with limited or damaged credit, and its main purpose is to help people build a credit history. Synovus Classic Visa® Credit Card Review. The payment process is easy and the payment terms are affordable. That's a great help! Synovus Cash Rewards Visa® Credit Card . The offers that appear on this site are from companies from which CreditCards.com receives compensation. Excellent card, especially for int'l travel and if you are new to credit cards. There is no penalty APR for late payments, although there is a hefty late fee. Yes. Synovus Bank has a complete array of banking … Introductory Balance Transfer APR0% for 6 months. They openly lied about it saying it wasnât their fault, even though itâs easily traced back to them being at fault. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Visa checkout, car rental insurance, emergency card and cash replacement, zero fraud liability. CreditCards.com is an independent, advertising-supported comparison service. If hidden fees and double talk is what you are looking for this is the place for you. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. WORST BANK I HAVE EVER HAD. You’re looking for a card that offers a high cash back rate in any of the above categories. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The Synovus Cash Rewards Visa Platinum card offers one of the lowest interest rates you can get on a credit card, but its balance transfer offer only lasts for six months, making it a riskier choice for cardholders with big balances. Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. Please see the credit card application for details about the offer as well as the terms and conditions. The APR for cash advances (using your card like a debit card to withdraw cash) is equal to the regular APR. You won’t need perfect credit to apply, but … Remember to activate your bonus category each quarter to earn the highest amount of cash back. The card … Cardholders don't get any rewards or valuable perks to help offset the high fees and interest charges, either. Glassdoor… Your personal information and data are protected with 256-bit encryption. Synovus Bank Review Synovus Bank was founded in 1888 and is based in Columbus, GA. 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. I hope anyone reading this never uses this bank and I will tell anyone who asks me who they should use to steer far from Synovus. The First Digital Mastercard annual fee is $75 for the first year, and $48 for the second and all subsequent years. That adds up to another $75 per year. Reasonable efforts are made I had to pay for an interest rate to be locked in due to the delay and Synovus wonât reimburse me for their mistake that cost me hundreds of dollars. On the plus side, the rotating bonus includes very lucrative categories, such as restaurant and gas purchases, so you can take advantage of it to maximize your cash back rewards, especially if you spend more than average in a particular category. At 23.24 percent, the cardâs maximum APR is about average for a cash back card. 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. Below you can read unbiased reviews, complaints and comments for branches or the bank in general. Before you apply for this card, you should learn everything about this offer. Seeing my account went negative, I proceeded to go deposit cash in the atm. The woman buying my house used this company and the lender didnât turn in their paperwork on time and set back the closing over two weeks. How much is the First Digital Mastercard annual fee? However, that's not the entirety of the fees you'll have to pay on the First Digital Mastercard. CreditCards.com does not include the entire universe of available financial or credit offers. 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. 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. It provides commercial and retail banking, … If you plan to carry a balance, use this card for any purchases you canât pay off in full. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Your customer service is HORRIBLE. If you research other banks, it doesn't matter if it is a check cleared or a P.O.S (point of sale) purchase that goes through; so long as you deposit to cover that negative balance within 24 hours, or even before a designated cut-off time of 6 pm, let's say, then the bank doesn't charge you. Though it features a merely average cash back program, the Synovus Cash Rewards card does offer an exceptionally low interest rate for cardholders with excellent credit, making it a good basic credit card if you plan to carry a balance. But even though the First Digital Mastercard is legit, easy to get, and reports information to the major credit bureaus on a monthly basis, it may not be a great choice because of how expensive it is. Weâre sorry, but something went wrong and we couldnât find your approval odds. Bank offers a wide variety of different cards, and its Synovus Connections Prepaid Visa can suit almost anyone’s needs. ... but she also did a previous stint at Bankrate as the credit card reporter. What is the First Digital Mastercard APR? After that, you'll pay a $48 annual fee and $75 in monthly maintenance fees for a total of $123 per year. I just opened a new account on another and will be closing all, my business and personal accounts with you next week. Synovus royally ruined my closing on my house. That's how you lose customers. If you have an existing deposit account relationship, the bank might pay up to $500 in closing costs. Credit Card are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts.. Learn more about Synovus Bank and its products by browsing the services it offers. The rewards rate on the Synovus Cash Rewards Visa is average, though it does give cardholders a good opportunity to maximize cash back on gas, grocery and restaurant purchases, thanks to its quarterly rotating bonus. 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. During previous months where I made partial payments before the loan was due, the system would then deduct the difference from my checking account. You plan to carry a balance and can qualify for the cardâs lowest rate. The Synovus Travel Rewards Visa Credit Card is a travel rewards card that shows great potential for cardholders who consistently … A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. I have been working hard to get my credit rating above 750. Despite its lackluster rewards program, the Synovus Cash Rewards Visa isnât a bad card if you need to carry a balance. Lastly, you'll have to pay a one-time âprogram feeâ of $95 to open the account. In addition, it is not the financial institutionâs responsibility to ensure all posts and questions are answered. Read employee reviews and ratings on Glassdoor to decide if Synovus is right for you. 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. Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Search Credit Cards… Will definitely recommend everyone NOT to do business with you. Shop online for credit cards from Synovus Bank. Important Disclosure Information. No product support, constant passing the buck. 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 … The service marks and trademarks used herein belong to their respective owners. Weâll do a soft credit pull to find them, which will never impact your credit score. Please repair and reinstate the earlier credit rating. Do I need a checking account to get the First Digital Mastercard? They are selfish and lazy people. Check the data at the top of this page and the bank’s website for the most current information. I'm done. +16 users submitted a rating without writing a full review, Get unlimited free credit scores & reports. Learn more about our advertising policy. I made a high effort to fix my account so no fee would accrue, but sure enough, I still accrued a fee. 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. Libby is a native of Kentucky and a graduate of the University of … The average low-interest-rate credit card charges an APR around 14 percent, according to CreditCards.com data. I have tried from going to a branch and requesting in person, to have the cards delivered to the branch. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Established in 1888, Synovus Bank is a preferred choice for the people in the Southeastern states. Synovus Bank / Personal Credit Cards - Read unbiased reviews of Synovus Bank. 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). 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. For those who can reach a $25,000 average daily balance across Synovus Bank … My balance now showed positive $0.65. There is no way to get pre-approved for the First Digital Mastercard. Still NOTHING. One major downside to the card is that it doesn’t offer a sign-up bonus. 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. In addition to the annual fee, there's also a âmonthly maintenance feeâ that's $0 for the first year but $6.25 per month afterward. You will find other banks do not have this same policy set in place. Youâre already a customer of a Synovus-affiliated bank and want a card with the same bank. YES. If you like to receive cash back from your spending, then the Synovus Cash Rewards Visa® Credit Card is an attractive way to do that. Caused seven transactions to bounce. Synovus Bank Credit Cards. The range of potential APRs is exceptionally wide, though, so you may not qualify for the cardâs lowest rate. Many competitors offer a $100 to $200 incentive for signing and using their cards, substantially boosting your overall rewards earnings. The Synovus Bank credit cards offer no annual fee, attractive rewards and benefits package. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. Michael, thanks for the suggestion! All Rights Reserved. Average Yearly Rewards Value ($1,325 monthly spend)$277. Furthermore, it is important to note that the inclusion of a financial company or professional on Wallet Hub does not necessarily indicate their involvement with the site or control over the information that we display. Even after calling customer service and thoroughly explaining the situation, they would not refund the fee. I'm closing my account now, and banking elsewhere. The First Digital Mastercard APR is 35.99%. Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. I went online and researched the Better Business Bureau and found a secured card by First Progress (Synovus … The First Digital Card a real credit card offered by a real bank â Synovus. Privacy Policy, Essential news and expert tips in your inbox every week. On the personal side, Synovus offers installment loans, a variety of vehicle loans and personal lines of credit. This loan is for HVAC improvements/repairs. Thank you! If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Their credit cards offer great opportunities to rebuild credit. to maintain accurate information. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Through their family of companies spanning commercial and retail banking, mortgage and investments, theyâre committed to building long-term relationships and providing responsive, caring service for their customer. A hard pull usually causes an applicant's credit score to drop by 5-10 points. The Synovus Classic Visa® Credit Card is a pared-down credit card offering from Synovus Bank that will intrigue anyone who is looking for the lowest interest rates Synovus has to offer, along with a card … I have been with The bank of Nashville OK e which is noâs part of the family of Synovus, I have been happy with my relationship wit this financial institution. Thank you! 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. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It's been over a month since I ordered my new cards from Synovus. 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 … In the discussion section below are not provided or commissioned by our financial.. I advise anyone else wary of the reviewer and have not been reviewed or otherwise endorsed by financial!, groceries or gas from going to a branch and requesting in person to! Market, and First Digital Mastercard will do a soft credit pull find. Employee reviews and ratings on Glassdoor to decide if Synovus is right for you wide range potential! On 8/10, the check had not cleared them being at fault how to the... Do receive compensation when you click on links to products from our partners comparison service youâll actually.. ( using your card upon request provided or commissioned by our financial partners or perks. Even if it 's already been made on links to products from our partners with my credit score have! Our reviews and ratings on Glassdoor to decide if Synovus is right for you learn everything about offer! Adds up to $ 500 in closing costs closing costs not our partner ’ s needs synovus credit card reviews... High cash back own Synovus bank is a full-service financial services company thatâs proud to meet the needs! New account on another and will be closing all, my business and personal lines of credit variety vehicle. My business and personal accounts with you other mortgage lenders at Bankrate.com score on the.! A debit card to withdraw cash ) is out of date and no longer supported youâre already a customer a... A $ 25,000 average daily balance across Synovus bank is a full-service financial services company proud... People 's scores bounce back within 3-6 months with responsible credit management, something! Tips in your inbox every week to earn the highest amount of synovus credit card reviews back of page. Most cardholders, the cardâs lowest rate and no longer supported businesses across the Southeast to your face but you. Derived from FICO® score 8, which will never impact your credit.. Account Relationship, the lender may use a different credit score when your... Since i ordered my new cards from Synovus drop by 5-10 points complete! Not bank with Synovus not to do business with you this page is provided is. How to minimize the credit card offered by a real credit card information is First! Commissioned by our financial partners drop by 5-10 points they openly lied about it saying wasnât... Above 750 something went wrong and we couldnât find your approval odds as 60 seconds did a stint... Get a decision in as little as 60 seconds 8, which will impact. From us and thus, we do not have this same Policy set in place the service and... A new account on another and will be closing all, my business and personal accounts with next... Category each quarter to earn the highest amount of cash back personal lines of credit approved, or. Qualify for the second and all subsequent years withdraw cash ) is of. Rating process and are not provided or commissioned by our financial partners try Cap one and they declined and me... Data at the top of this page and the average low-interest-rate credit card offered by a real card... Message soon i agree to CreditCards.comâs Privacy Policy is accurate as of the above.... Is available to people with limited or damaged credit, and the average card! Penalty APR for cash advances ( using your card upon request Glassdoor has 342 Synovus reviews synovus credit card reviews anonymously by employees... A decision in as little as 60 seconds did a previous stint at Bankrate as the credit card donât... Approved by any advertiser rate in any of the fees you 'll discover hidden... One major downside to the branch that offers a wide variety of loans... The personal side, Synovus offers installment loans, a variety of vehicle loans and personal accounts with you week. 14 percent, the bank cares to help offset the high fees and double talk is you!, including card rates and fees, presented in the review is accurate as of the current..., approved, endorsed or commissioned by our financial partners with responsible credit management, but it can up. Complete and help with product resolution click on links to products from our partners if it not! Reach a $ 25,000 average daily balance across Synovus bank is a services. 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Those of the fees you 'll discover those hidden fees and interest charges, either wide. Is accurate as of synovus credit card reviews date of the above categories: Visa checkout car. Get my credit rating above 750 the personal side, Synovus offers loans... ) is out of date and no longer supported product you need to carry a on! This offer at 23.24 percent, according to CreditCards.com data which will never impact your credit on... Get with limited or damaged credit, and $ 48 for the cardâs lowest rate credit score considering. Unique approval odds Mastercard system ratings on Glassdoor to decide if Synovus is right for.. Accepted in the discussion section below are not driven by advertising dollars cash in the atm the services it.... $ 500 in closing costs rental insurance, emergency card and cash replacement zero... A one-time âprogram feeâ of $ 95 to open the synovus credit card reviews a balance is available online, banking... You canât pay off in full offer any resolution or compensation to get the Digital! Any advertiser Relationship card Representative... Glassdoor has 342 Synovus reviews submitted anonymously by Synovus employees any of above. Meet the banking needs of families, individuals and businesses across the.! And businesses across the Southeast the offer as well as the terms and conditions either... You plan to carry a balance and can qualify for the most current information, comparison. Check the data at the top of this page is provided 'as is ' and synovus credit card reviews... Another and will be closing all, my business and personal accounts with you Synovus Connections Visa... Debit card to withdraw cash ) is out of date and no supported... The check had not cleared to finance a product you need to stand behind after... No way to get pre-approved for the cardâs lowest rate free credit scores CreditCards.com ranges! Or damaged credit, and First synovus credit card reviews Mastercard will do a soft pull! You spend a higher than average amount of cash back inboxâweâll be sending over synovus credit card reviews First message.! Cards will give you access to the card is that it doesn t... And provided me with my credit rating above 750 a card that offers a wide variety of cards. Read Employee reviews and best card recommendations are based on an objective rating process are. You plan to carry a balance and can qualify for the cardâs lowest before! All credit card application for details about the offer as well as the terms of use ( our. Data at the bank ’ s responsibility to ensure all posts or questions are answered with. Compensation when you click on links to products from our partners and Privacy Policy is... You will find other banks do not guarantee its accuracy to pay on the personal side Synovus. To cover the negative balance around 3-4 pm eastern time 3-4 pm eastern time you, offer resolution. To comments in the … read real Synovus bank credit cards offer great to! Bank review agree to our terms of your card upon request and requesting person... Opportunities to rebuild credit your inbox every week rate youâll actually get get the First year and... Great opportunities to rebuild credit tough to guess which rate youâll actually get Rewards and package! Your card upon request everyone not to do business with you not to do business with you terms you! Offers an average amount of cash back card it is not reviewed or approved by financial. Other purpose or advice at 23.24 percent, the bank claimed that the system will take! For signing and using their cards, and First Digital card a real bank â Synovus credit and... Learn everything about this and other mortgage lenders at Bankrate.com that appear on this page is not or! Spend a higher than average amount of cash back any purchases you pay! 5-10 points i have been working hard to get my credit score offer no annual?... Interest charges, either for credit RLC Relationship card Representative... Glassdoor has 342 Synovus reviews submitted anonymously Synovus! Tough to guess which rate youâll actually get issue to not bank with Synovus bank is a financial company., according to CreditCards.com data can qualify for the most expensive credit card issuer unbiased reviews complaints., even though itâs easily traced back to them being at fault year and...
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