Synchrony 前身是 GE Capital. Discover 就是发行 Discover card 那个银行
两个都没有实体店 有些人可能不 comfortable.
我们用了 Synchrony 十年以上了 没有问题。 只是近年来 front line reps are outsourced to Philippines, but so is Chase. AMEX has long been using India call center for over 20 years by now. 你如果听不懂 或者 prefer US based rep, 可以直接要求 patch to US based rep.