I'm not a Syncrony customer at this time. I sent a question via e-mail to them last week. They took 6 calendar days to reply , but the reply actually had a name , not just " customer service dept". I often do this to gauge customer support before using an online bank or service.
I'm going to use Capitol One for this round of CD's , among the best 60 mo rate, and they have a small office , I mean "CAFE" location nearby, so in person contact is possible.
Going with 60 mo, and if the market really tanks, will break the cd and buy stocks.Only going with those of 180 day or less interest penalty.
“The finance industry is 5% rational people and 95% shamans and faith healers.” - Charlie Munger