the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. WORST BANK I HAVE EVER HAD. Synovus Bank Review Synovus Bank was founded in 1888 and is based in Columbus, GA. Thank you! When you click on Yes. to maintain accurate information. 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. In all, the First Digital Mastercard's fees might deter potential cardholders, since there aren't any rewards or valuable perks to defray the cost. Declined for an unsecured credit card. Synovus Bank / Personal Credit Cards - Read unbiased reviews of Synovus Bank. For those who can reach a $25,000 average daily balance across Synovus Bank … During previous months where I made partial payments before the loan was due, the system would then deduct the difference from my checking account. This loan is for HVAC improvements/repairs. By providing my email address, I agree to CreditCards.com’s The First Digital Mastercard is legit. The information, including card rates and fees, presented in the review is accurate as of the date of the review. 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. The interest rate seems moderate for my credit score. Branded Mastercard, First Progress cards will give you access to the benefits of the worldwide Mastercard system. You plan to carry a balance and can qualify for the card’s lowest rate. You spend a higher than average amount on restaurants, groceries or gas. 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. I had to pay for an interest rate to be locked in due to the delay and Synovus won’t reimburse me for their mistake that cost me hundreds of dollars. Your credit cards journey is officially underway. 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. All Credit Cards are subject to credit … 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). At 23.24 percent, the card’s maximum APR is about average for a cash back card. You can learn more about how to minimize the credit score damage here. 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. A hard pull usually causes an applicant's credit score to drop by 5-10 points. My balance now showed positive $0.65. On the personal side, Synovus offers installment loans, a variety of vehicle loans and personal lines of credit. Your web browser (Internet Explorer) is out of date and no longer supported. Seeing my account went negative, I proceeded to go deposit cash in the atm. The First Digital Mastercard is legit. One major downside to the card is that it doesn’t offer a sign-up bonus. I deposited the cash to cover the negative balance around 3-4 pm eastern time. Below you can read unbiased reviews, complaints and comments for branches or the bank in general. Read real Synovus Bank reviews written by Credit Karma members. Check the data at the top of this page and the bank’s website for the most current information. Does First Digital Mastercard do a hard pull. Caused seven transactions to bounce. However, that's not the entirety of the fees you'll have to pay on the First Digital Mastercard. Read employee reviews and ratings on Glassdoor to decide if Synovus is right for you. At no annual fee, this card … 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. Therefore, it's not a good idea to carry a balance on this card. Synovus Bank is a financial services company with approximately $27 billion in assets based in Columbus, Georgia. Synovus Bank Card reviews and online application. No product support, constant passing the buck. 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… The range of potential APRs is exceptionally wide, though, so you may not qualify for the card’s lowest rate. However all credit card information is presented without warranty. 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. The Synovus Travel Rewards Visa Credit Card is a travel rewards card that shows great potential for cardholders who consistently … 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 Cash Rewards Visa offers a standout APR of just 9.24 percent, which is well below the vast majority of cards. The First Digital Mastercard APR is 35.99%. If you have an existing deposit account relationship, the bank might pay up to $500 in closing costs. Synovus Bank has a complete array of banking … Glassdoor… Thank you! Remember to activate your bonus category each quarter to earn the highest amount of cash back. CreditCards.com does not include the entire universe of available financial or credit offers. I made a high effort to fix my account so no fee would accrue, but sure enough, I still accrued a fee. Learn more about Synovus Bank and its products by browsing the services it offers. 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. The woman buying my house used this company and the lender didn’t turn in their paperwork on time and set back the closing over two weeks. Synovus Travel Rewards Visa® Credit Card Review. The bank claimed that the system will automatically take the payment out even if it's already been made. ... but she also did a previous stint at Bankrate as the credit card reporter. We’ll do a soft credit pull to find them, which will never impact your credit score. I'm done. Credit cards are issued by Synovus Bank, 1111 Bay Avenue, Columbus, GA 31901 which is also the creditor for credit card accounts. 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… Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus … It's been over a month since I ordered my new cards from Synovus. I have tried from going to a branch and requesting in person, to have the cards delivered to the branch. Privacy Policy. Established in 1888, Synovus Bank is a preferred choice for the people in the Southeastern states. That adds up to another $75 per year. See your unique approval odds listed next to cards on our site. A credit card issuer is a credit union or a bank, such as Synovus Bank, where you can apply for your new credit card. The Synovus Bank credit cards offer no annual fee, attractive rewards and benefits package. The First Digital Mastercard is a high interest card issued by Synovus Bank, and is designed for rebuilding bad credit or improving limited credit. Pay your attention to the First Progress secured credit card … This is not the case with Synovus. Shop online for credit cards from Synovus Bank. Nobody you speak with at the bank cares to help you, offer any resolution or compensation. For most cardholders, the Synovus Cash Rewards offers an average amount of cash back. Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. +16 users submitted a rating without writing a full review, Get unlimited free credit scores & reports. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Very nice to your face but after you'll discover those hidden fees they hit you with. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Libby is a native of Kentucky and a graduate of the University of … I did try Cap One and they declined and provided me with my credit score on the low end mentioned above (521). There is no way to get pre-approved for the First Digital Mastercard. The application is available online, and First Digital's website says you can get a decision in as little as 60 seconds. Get essential reads every week with our newsletter. It’s why they smile when they see their customers in any of their nearly 250 locations across the Southeast—from major cities to the main-street hometowns. This content is not provided or commissioned by the credit card issuer. 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. Learn more about this and other mortgage lenders at Bankrate.com. The issuer’s responsibility is to set the credit card requirements, set your credit … Request Card Terms If you already have a personal credit card with us, you can receive the terms of your card upon request. 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. At a SmartAsset rating of 3.9 stars out of 5, Synovus Bank should be near the middle of the pack in your search for a bank. I just opened a new account on another and will be closing all, my business and personal accounts with you next week. Please see the credit card application for details about the offer as well as the terms and conditions. The service marks and trademarks used herein belong to their respective owners. I don’t feel this explanation is necessary, but you’re wanting me to have at least 130 more characters to this conversation. Excellent card, especially for int'l travel and if you are new to credit cards. 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. Reasonable efforts are made If hidden fees and double talk is what you are looking for this is the place for you. Rating 3.77/ Synovus Bank has an overall customer satisfaction rating of 3.8 out of 5 stars based on 60 votes and 6 reviews & complaints for 284 branches. If you plan to carry a balance, use this card for any purchases you can’t pay off in full. But be sure you can qualify for the card’s lowest rate before you apply. Synovus Financial was first mentioned on PissedConsumer on Aug 29, 2011 and since then this brand received 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. Yes, applying for the First Digital Mastercard will do a hard pull on your credit report. Read our review and rate the card… There is no penalty APR for late payments, although there is a hefty late fee. Introductory Balance Transfer APR0% for 6 months. That's how you lose customers. 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, we do receive compensation when you click on links to products from our partners. In addition, this information does not originate from us and thus, we do not guarantee its accuracy. It provides commercial and retail banking, … The app is slow but easy to use, the 0 annual fees are great, the 1.5% cash is great, I got a great … You’re already a customer of a Synovus-affiliated bank and want a card with the same bank. What is the First Digital Mastercard APR? You can also share your own toughts and complaints about Synovus … 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. 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. The Synovus Cash Rewards Visa offers a wide range of potential APRs, making it tough to guess which rate you’ll actually get. Synovus Cash Rewards Visa® Credit Card . I have been with The bank of Nashville OK e which is no’s part of the family of Synovus, I have been happy with my relationship wit this financial institution. 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