I got a letter from Synchrony declining my request for a credit card. I used PayPal to pay for a purchase but did not apply for a credit card because my credit is frozen. Did I perhaps hit a wrong button or did someone try to open an account in my name. I am just curious. No way to reach Synchrony. Any ideas? I would NEVER open an account with PayPal Credit. I HATE them and only used the payment method because a retailer was having trouble with their web site.