So I've had very mixed interactions with Synchrony Bank. I currently have 6 (I think?) cards with them. If you don't know who they are, Synchrony Bank used to be GE Money Bank. But that was many years ago. They're a big player in the "store" credit card business. The underwrite (or did) the store credit cards for Gap, Banana Republic, Old Navy, Harbor Freight, Amazon, QVC, WalMart, Sam's Club, and many others I first got an account with them through Care Credit, a financial option for use at vets, doctor's offices, dentists and so on. I've had that account for - almost a dozen years? Anyway. It was very easy. A short time later, I was shopping at Old Navy and was offered (and got) an Old Navy Card from Synchrony. I was also able to then get a Gap card, a Banana Republic card, and others.