I just received a new Synchrony Bank Lowes credit card to replace my damaged one. Synchrony sent it through the mail without protection such as requiring a call from my phone to activate the card. They also put a notice in the envelope that I was responsible for all charges to my account whether I made them or not. If it had been lost in the mail per their enclosed statement I would be held liable for its use. Is Synchrony Banks policy of holding a credit card customer responsible for fraudulent charges, legal under Federal and or Washington State laws? This never appeared on the previous terms and conditions to my knowledge. I have experienced fraud only twice in 35 years on credit cards and in both cases the banks immediately investigated and reversed the charges. I was not held liable on either of these fraudulent charges. My intent after reviewing this policy and the banks customer ratings is to cancel my Lowes card. I don't need it and no longer trust Synchrony Bank.