Opened an account through HomeZone and had a $2, 000 credit limit. Paid double payments and then 4 payments at once. Every time my account was evaluated they dropped my limit to what I owed. In turn that drops my score 15-20 points and the next time I pay they do it again. Continuously by their own hand dropping my score to adjust and decrease my account limit keeping my CC account with them maxed out. Bad business and will never have another Synchrony account again. I don't care what dept. store has them. In fact every dept. store I find that has Synchrony as their Credit company is getting a bad online review warning people away from them. Did some research and there was a class action lawsuit as well as a Walmart lawsuit against them so I should have known. If you can't do good business with WalMart you are the problem.