Amazon.com Store Card Credit Builder

I got the Amazon prime store credit builder card (a mouthful, I know) about 3 months ago. I had no credit history and decided that applying for this card would be the best way to start, thinking that since it was a store card I would be less inclined to use it than I would a credit card available to me for everyday purchases (a power I personally feared and didn’t yet trust myself with) The card has work fine for my purchases through amazon, and was nice to have for Prime Day. However, because of my low credit line ($150) and my insistence to keep my personal goal of a utilization under 20%, the 5% cash back is a feature that produces little significant returns. I frankly don’t mind not that lack of features because my pure intention is building credit.However, what I despise about this card so far is the bank they have chosen to provide this card to its users: Synchrony Bank. I don’t have to go into detail bc plenty on the internet already have, but they are miserable to deal with and their customer service as well as their mobile application seem to intentionally confuse and mislead their customers for either malicious, profit seeking reasons or simply because they like screwing with broke people who have no other choice but to use their services. I’m glad this card is one I use only to treat myself to some insignificant $30-$40 purchase, rather than one I depend on for day to day purchases I need.If you use this card, don’t be risky, just buy $5-10 of toilet paper you know you can immediately pay off every month. Because Synchrony is miserable.

This is in regards to my Amazon Credit Builder application serviced through Synchrony Bank. I was so excited to hear that Amazon was offering this, as I have been in the process of rebuilding my credit. I’ve been a prime member for years and this would be a great way to help with my credit building process. I applied on June 11, 2019 with my SSN# and was approved for the secured Amazon card. I received an email stating that I was approved and that I could follow a link to be able to deposit onto the card. The link is amazon.com/creditbuilder. I followed the link which takes me to the help section of the credit cards listed on amazon credit. There is no link or information on how to deposit to get this account going. I have spoken with Amazon support about this and they directed me to contact Synchrony Bank about this account. I did so on June 17, 2019 at approximately 9am pacific time. I was transferred 5 different times, hung up on twice, was even told that I didn’t have an account. This account has still not been funded. The last representative I spoke with informed me that if I was using my phone that could be causing the issue with the link. I just tried on my laptop at work and I still get the same issue. The manager informed me that I would need to send a check to set up the account. I refused this with me stating, that the number which was dialed to get in touch with her says with options that I can fund this over the phone with my checking account routing number and checking account number. She dismissed this stating that they don’t do this. I am very disappointed in the customer service and disrespect that I was received. This is on on my credit report as a hard inquiry and I would like it to be on there as a credit card. The business practices that was shown today by Synchrony Bank has forced to file a complaint with not only Synchrony Bank organization but also with Amazon, the CFPB and the BBB. It’s a shame that I’m doing my best as a consumer to pay off my debts and to improve my credit worthiness that a company would put someone through this and yet still have no solution.