Drew, I will assume you have the best of intentions but your information is wrong. Synchrony Bank is sitting on the funds and earning interest. You are correct that the transfer process can take up to 5 days. But that does not account for the other 10 days after they have received the funds in their accounts. To the original poster. Don't close the account. just don't use it. also do not get electronic statements get paper. As there is no annual fee. keeping it open does no harm to you credit report and costs them money to maintain. If this costs them $1 a month and a lot of people do it that is the best way to get back at them.
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