Since there have been so many problems with this bank, maybe everyone should get together (there is a name for it, but I can’t remember what it is right now.) and sue Synchrony Bank, just make sure you have your statements, dates they charge you late fees. What the lawyers will do is contact everyone that had/has an account Do it as a group, then one person doesn’t have to pay the lawyers, make them pay the lawyers fee. You will get your late fees back plus some. This bank is not the nicest bank to deal with. Also, if everyone could pull their account and transfer their balances to another credit card, then HSN/QVC would have to change their banks again. Of course, those who can not do this, we are the ones that are stuck and have to abide by their rules. This way Synchrony will not be getting the interest. Good luck everyone. So, far I haven’t had any trouble with them, but will be watching my account very carefully. I am sure they have someone reading this post. Saying what I have suggested I wouldn’t be surprised if they cancel my account.