Synchrony 前身是 GE Capital. Discover 就是發行 Discover card 那個銀行 兩個都沒有實體店 有些人可能不 comfortable. 我們用了 Synchrony 十年以上了 沒有問題。 隻是近年來 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. 你如果聽不懂 或者 prefer US based rep, 可以直接要求 patch to US based rep.