Until recently, for over 20+ years, I have had an excellent credit score and over those years have accumulated several Credit Cards. Recently, I found myself unemployed and diagnosed with stage three cancer, facing this reality, and with the CC companies raising interest rates, without cause, I faced a hard decision and placed a few (but not all) of my debts into a debt settlement process with a reputable company. Two of those debts were Synchrony Bank-owned cards. Mind you, I still had two (Lowes and JCPenney) cards that were also owned by Synchrony Bank, that I kept both with a zero balance and a decent credit limit.
Once Synchrony realized that I was pursuing a settlement on two cards I had from them they closed the two accounts that I kept out of the dept settlement process. Both of which had a zero balance. This, of course, had an immediate negative impact on my Credit, initiating further "adjustments" with other accounts I have kept (all with perfect payment records over decades), resulting in an even further negative impact on my credit rating.
When asked why they chose to unilaterally close my cc accounts, they cited "Decreasing Credit Standing with other creditors". I personally found it's for spite and vengeance, knowing that their course of action would further damage my credit rating for no good reason.
If I could rate them less than Zero I most definitely would.
Recommendation: NEVER get a Credit Card from Synchrony!