My local Penney’s is great. Always helpful and I enjoy shopping there. It’s Synchrony Bank I have a problem with. First of all, they’re not even a bank! They’re a consumer financial company that has received low ratings and bad reviews. Plus, from what I’ve read, there have been some unethical practices in the past. In my case, I would receive my bill in the mail so close to the due date I wasn’t prepared. So I was charged a late fee of $41, a paper statement fee of $1.99 and an interest charge of $2.00. My Penney’s card is cut in two. I will still shop there, but will use my Visa.