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questions regarding the purpose of credit card agreements could it be the credit card agreement is simply a promise to pay could it be that this promise to pay is exchanged by synchrony bank agents for other promises to pay called federal reserve notes could it be that synchrony bank sees to it that any charges to the credit card accounts are discharged with promissory notes in the form of federal reserve notes if this is the case then could it be that synchrony bank has never once paid for anything they have simply discharged charges to a credit card with federal reserve notes that were provided when the credit card agreement credit card account was actually opened with the promissory note if thats the case what is the substance if there is any that synchrony bank has brought to the table regarding these transactions what evidence is there that synchrony bank has paid for anything what evidence is there that the vendors using the synchrony bank cards have been paid by anyone what ev