Valri Crain

Don't get this card. It's serviced by Synchrony Bank. Synchrony will open your account, then proceed to lower your credit limit every few months which then dings your credit score. I didn't even charge that much on my JC Penney card and already they cut the limit in half. I will be closing this card when it's paid off in a couple of months. For the record - Sychrony has done this to me on every single store card I have that is serviced by them. There are better store cards out there - avoid ANY that are serviced by Synchrony.

They just lowered my credit limit today. AGAIN. I've been paying on my balance, which is a promotional deal and will be paying it off on time in August. Yet they continue to lower my limit whenever there is about $200 available. Each time it's a ding to my credit score. It's not just Care Credit either - Synchrony has done this to me on EVERY single card I have that they service. It's not me either - my other cards continue to raise my limits. The interest rate is extremely high, and if you have more than one promotional purchase, carefully monitor how your payment is applied. This card is NOT worth it.

Where do I start? Signed up for the direct deposit bonus program. No bonus deposits. Tried to contact customer service, no phone number. Can't chat online, have to use the app. Can no longer log into account online, it just loads and loads and loads. Been doing this for almost a week now. Have to use the app. Email address on website for customer service comes back as "no longer in use". Used contact us to send a message, no response from Varo. I just transferred the balance of my money in the account to another bank. Once all transactions have cleared, I'm closing the Varo account.

Good card to rebuild credit. No monthly fee, annual fee is reasonable. Website is easy to navigate. I took off a star though as they don't give regular credit line increases.