@AZGardener
When I saw " Synchrony Bank " in your post, it brought back to mind how messed up they were.
When SteinMart closed down, Synchrony sent all their customers a Synchrony credit card. I began to use it. Since I handle all the bills for many different endeavors, I have a Bill Log for what comes in and is due either first to 15th or 16th to month's end. It seems I never got a bill so there was no entry for Synchrony.
Then at the hair salon, my card is declined. My long time stylist tried it again to no avail. Used another card, no problem. Called Synchrony when I got home: Somehow they never sent me a bill for 5 months ! Got through to the second representative who was knowledgeable and helpful and within 30 minutes we straightened out all the fines, charges, etc. Left for Florida within a few days and when I used the card again, it was declined. That was it for Synchrony as well as any company that uses them for their credit card function.
It seems stores that turn over their billing service to another entity end up with poor customer service. Going through a similar story with Comenity Bank that provides billing service to Talbot's. Not activating their new card sent me.
As for credit card, I am staying with Visa: almost 40 years with them and excellent service. Got rid of store cards period.
So sorry for your experience with the Q card. It is very frustrating and then the worst part....trying to get through those telephone menus so you can speak to a person who doesn't listen and doesn't care.
We make a living by what we get. We make a life by what we give.
Sir Winston Churchill