I owed this bank for a neccessary car repair and they threatened to go to court over $1400 most of it was interest. I'd rather borrow money from the mob and just have my legs broken. Would have been less painful. Then we go to buy my son a bed at Mattress Firm. And what do know, they use Synchrony Bank to fund their beds. So now I'm in it AGAIN! Now I've paid about $800 dollars for a $800 bed BUT I still owe $600 because of interest and outlandish late fees for paying 1 day late. These guys would have funded the Natzi party if they could have. User's recommendation: If a company uses this company to finance their product. STAY AWAY.