my synchronicity bank

If you applied for a Furniture Row® Credit Card after 7/13/18, please continue with Synchrony to manage your account. For further assistance, call the. Synchrony is the largest provider of retail credit cards in the United States. They have some fair approaches to working with customers to. Summary: If you've been sued for a debt by Synchrony Bank, use SoloSuit to respond in just 15 minutes and win your lawsuit.

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Synchrony Bank doesn’t have the name recognition of some other banks, but it issues the store credit cards for many popular retailers.

And while these cards are often known for their discounts and rewards programs, as retail cards they can also be some of the easiest cards to be approved for on the market.

This list shows our top picks of the best Synchrony Bank credit cards. They may be worth a look, based on your shopping habits and needs.

Get rewarded for your purchases Compare Cash Back Cards

Amazon Prime Store Card

Here’s why: If you’re an eligible Amazon Prime member, the Amazon Prime Store Card offers 5% back in rewards on your purchases. 

That 5% back — which you receive in the form of points equal to 5% of each purchase made — can be used for future purchases or statement credit.

The Amazon Prime Store Card can be used on most purchases at and with select “Pay With Amazon” merchants. But this is a closed-loop card, which means you can use it only at specific stores or groups of stores. The card also won’t allow you to pay for certain Amazon purchases, including rentals or digital add-on subscriptions like Starz.

It’s also worth keeping in mind that an Amazon Prime membership costs $119 per year, so this card might not be worth it for people who don’t already use the service.

Amazon offers a handful of credit cards, and not all of them are issued by Synchrony. See which is best for you in our Amazon credit cards roundup.

Rakuten Cash Back Visa® Credit Card 

Here’s why: Rakuten allows you to earn cash back when shopping online without signing up for a credit card. But if you want to earn even more cash back on top of what the site offers, the Rakuten Cash Back Visa® Credit Card has you covered.

Cardholders get 3% cash back on qualifying online purchases made through and through its qualifying in-store cash back offers. You’ll get the same rate on qualifying purchases with Rakuten dining and Rakuten travel, and you’ll also earn 1% cash back on all other qualifying purchases. As long as your cash back balance exceeds $5, you’ll receive a check with your cash back once each quarter.

You must be a Rakuten member and make purchases directly through Rakuten to qualify for the extra 3% cash back rate. While remembering to click through the Rakuten site before making a purchase can be a hassle for some consumers, it might be worth it to earn that 3% cash back rate. But the Rakuten portal doesn’t work for all online retailers, so keep in mind you won’t be able to earn 3% cash back on all online purchases.

Compare offers for cash back credit cards on Credit Karma for some other cash back options.

Get rewarded for your purchases Compare Cash Back Cards

Lowe’s Advantage Card 

Here’s why: If you own a home or love DIY projects, the Lowe’s Advantage credit card might be a good fit for you. With this card, you can choose from three different offers, which include cash back and special financing. The catch is that you can only pick one.

The first option is an ongoing 5% discount on eligible purchases made with the card — that’s not a bad discount just for using a credit card.

Another option is six months of no-interest financing for Lowe’s purchases of $299 or more. You’ll still have to make minimum monthly payments, but you won’t have to worry about interest for the financing term. But watch out: If you don’t pay off the purchase in full by the end of the promotional period, you’ll owe interest for the entire six months at the card’s standard purchase APR of 26.99%.

Your third option is 84 months of fixed monthly payments on a purchase of at least $2,000 with an APR of 7.99%. Once the promo period is over and the purchase is paid off, the APR jumps to 26.99%.

Sam’s Club® Mastercard® 

Here’s why: The Sam’s Club® Mastercard® offers 5% cash back on your first $6,000 spent each year on certain gas purchases (then 1% back after that). You’ll also get 3% cash back on dining and travel purchases and 1% on all other purchases. 

If you fill your tank regularly, the Sam’s Club® Mastercard® might be a great fit for your wallet. Plus, your rewards aren’t limited to Sam’s Club gas stations. But not every pump qualifies as a “gas station,” so be sure to read the fine print for details.

Rewards accumulate over a calendar year and are automatically loaded on your Sam’s Club membership every February, so don’t expect new rewards throughout the year.

And unfortunately, you must be a Sam’s Club member to hold a Sam’s Club® Mastercard®. Membership costs $45 or $100 a year, depending on which level you choose. Though, new cardholders will get a $45 statement credit after making at least $45 in Sam’s Club purchases in the first 30 days.

Learn more about this card from our review of the Sam’s Club® Mastercard®.

Verizon Visa® Card 

Here’s why: If you’re a Verizon customer, this card could help you reduce your bills and put some money toward a new device. The Verizon Visa® Card lets you earn rewards as a percentage on purchases in the form of Verizon Dollars. You’ll be eligible for …

  • 4% back on gas and grocery store purchases
  • 3% back on dining purchases, including take-out and delivery
  • 2% on Verizon purchases
  • 1% on all other purchases where Visa is accepted

You can use your Verizon Dollars to help pay your Verizon wireless or Fios bill, make a down payment, buy or upgrade a new device, and purchase accessories.

Plus, you can get up to $10 off per month on each eligible account or line that you set up for autopay with online billing. This is good for up to 10 lines on select plans.

While this card can be a great deal for Verizon loyalists, your options are really limited when it comes to redeeming rewards — so make sure the card makes sense for you.

Learn more about paying your bills with a credit card.

How to make the most of these Synchrony Bank cards

Store credit cards, including these options from Synchrony Bank, can offer meaningful rewards and benefits, but they also come with plenty of risks. Before you apply for one, it’s important to understand what to watch out for in the card’s terms and conditions.

For instance, some Synchrony Bank credit cards are considered closed-loop credit cards, which means they can only be used at specific retailers. If you’re looking for a card that you can use anywhere, then a closed-loop card probably isn’t for you.

Store cards typically carry higher APRs than other cards, as well. If you carry a balance on any of these cards, you could get hit with heavy interest charges that outweigh the benefit of your rewards.

No matter which of these cards you might opt for, it’s important to pick a card that matches your spending habits. If you find yourself visiting a store and using your card more often just because it offers rewards, then it’s probably worth considering another card.

How we picked these cards

To pick the best Synchrony Bank credit cards, we evaluated dozens of the retail cards Synchrony Bank offers. Then, we picked cards that stood out from the pack in one way or another.

We also wanted to make sure our picks were relevant to your daily life. Synchrony Bank offers credit cards from many different retailers, but it’s not always clear how the card could benefit the average consumer. We focused on cards that could offer serious value for either major purchases or purchases you might make on a regular basis.

Get rewarded for your purchases Compare Cash Back Cards

About the author: Lance Cothern is a freelance writer specializing in personal finance. His work has appeared on Business Insider, USA and his website, Lance holds a Bachelor of Business Administration in … Read more.

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Earn 5% cash back on gas

anywhere Mastercard is accepted

(on first $6,000 per year, then 1%)**


Sam's Club
Credit Card


Sam's Club

Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back**


Sam's Club
Credit Card


Sam's Club

Earn 3% cash back on dining and takeout**


Sam's Club
Credit Card


Sam's Club

Earn 1% cash back on other purchases**


Sam's Club
Credit Card


Sam's Club

Acceptance at all Sam's Club

and Walmart® locations nationwide


Sam's Club
Credit Card


Sam's Club


Sam's Club
Credit Card


Sam's Club

Doubles as your membership card


Sam's Club
Credit Card


Sam's Club


Synchrony Bank credit cards

With most traditional credit cards, the name of the issuing bank is obvious from the get-go: the Chase Sapphire Preferred Card, the Capital One Venture Rewards Credit Card, the Bank of America® Premium Rewards® credit card, and so on.

But with store credit cards, the issuer name takes a back seat to the store itself. Unless the card is already in your wallet, you probably don’t know which financial institution issues the Victoria’s Secret Angel credit card, for instance. (Spoiler alert: The answer is Comenity Bank.)

Another under-the-radar name in the retail credit card space is Synchrony Bank. Keep reading to learn more about the store cards it issues – and whether one of them could be right for you.

What is Synchrony Bank?

If you’ve ever held a private-label credit card – also known as a retail card – there’s a good chance it was issued by Synchrony Bank, a consumer financial services company and the largest issuer of such cards in the U.S.

Retail credit cards are largely similar to general-purpose credit cards, with one major difference: In most cases, they’re branded for a specific retailer, independent dealer or manufacturer. (That said, some closed-loop retail cards, such as the Old Navy Credit Card, also work at affiliated brands, including Athleta and Banana Republic. There are also open-loop store cards, such as the Capital One Walmart Rewards® Mastercard®, that can be used anywhere the payment network is accepted.)

Store cards like those offered by Synchrony are usually easier to qualify for than general-purpose cards, making them a good choice for people who are either new to credit or recovering from a credit stumble.

What stores partner with Synchrony Bank?

Synchrony partners with stores of all sizes and industries – from national clothing chains to local furniture shops – to offer credit cards or other financing programs to customers.

Here’s a list of Synchrony Bank credit cards that, to the best of our knowledge, are currently open to new applicants:

  • 1800Mattress Credit Card
  • 4WP Credit Card
  • AAMCO Synchrony Car Care Credit Card
  • ABC Warehouse Credit Card
  • Abt Credit Card
  • Adorama Edge Credit Card
  • American Eagle Outfitters Connected Visa Credit Card
  • Alto Music Credit Card
  • Amazon Credit Builder
  • Store Card / Amazon Prime Store Card
  • American Signature Furniture Credit Card
  • American Tire Depot Credit Card
  • America’s Tire Credit Card
  • Ashley Advantage Credit Card
  • Athleta Visa Credit Card
  • At Home Credit Card
  • Atwoods Credit Card
  • B&H Financing Credit Card
  • B&H Payboo Credit Card
  • Banana Republic Credit Card
  • Becker Furniture World Credit Card
  • Belk Rewards Credit Card
  • BERNINA Credit Card
  • Big Sandy Superstore Credit Card
  • Blain’s Farm & Fleet Rewards Mastercard
  • Bowflex Credit Card
  • bp Visa Credit Card
  • Briggs & Stratton Standby Power Credit Card
  • Cabinets To Go Credit Card
  • Canales Furniture Synchrony HOME Credit Card
  • Carpet One Floor & Home Credit Card
  • CITGO Rewards Card
  • City Furniture Credit Card
  • The Container Store Credit Card
  • Daniel’s Home Center Credit Card
  • Discount Tire Credit Card
  • DOCK86 Credit Card
  • DR Power Credit Card
  • Drive Savvy Rewards Credit Card
  • Driven Brands Credit Card
  • DX Engineering Super Card
  • eBay Mastercard
  • eBay Extras Mastercard
  • Electronic Express Credit Card
  • Fleet Rewards Visa Credit Card
  • Flooring America Credit Card
  • Furniture Row Gold Credit Card
  • Freedom To Ride Credit Card
  • Gabberts Credit Card
  • Gap Visa Credit Card
  • Generac Credit Card
  • Guitar Center Credit Card
  • Havertys Credit Card
  • HOM Furniture Credit Card
  • Hudson’s Furniture Credit Card
  • Husqvarna Credit Card
  • JCPenney Credit Card
  • Jerome’s Synchrony HOME Credit Card
  • Jewelry Exchange Credit Card
  • Jiffy Lube Credit Card
  • Kane’s Preferred Platinum Card
  • Kiesel Guitars Credit Card
  • Kraft Music Credit Card
  • KwikComfort Financing Credit Card
  • La-Z-Boy Furniture Galleries Credit Card
  • Leisure Pro Credit Card
  • Lighting One Credit Card
  • Lowe’s Advantage Credit Card
  • Lumber Liquidators Credit Card
  • Mathis Brothers Credit Card
  • Mattress Firm Credit Card
  • Mattress Warehouse Synchrony HOME Credit Card
  • Mavis Discount Tire Credit Card
  • McCoy’s Consumer Credit Card
  • Meineke Credit Card
  • Metro Mattress Credit Card
  • Midas Credit Card
  • Mitsubishi Electric Credit Card
  • Mohawk Flooring Credit Card
  • Morris Home Furnishings More For You Credit Card
  • Musician’s Friend Platinum Credit Card
  • NAPA EasyPay Credit Card
  • Nautilus Credit Card
  • Newegg Store Credit Card
  • Old Navy Visa Credit Card
  • Pandora Preferred Credit Card
  • PayPal Cashback Mastercard
  • PayPal Credit
  • PayPal Extras Mastercard
  • P.C. Richard & Son Credit Card
  • Pearle Vision Credit Card
  • Pep Boys Synchrony Car Care Credit Card
  • Precision Tune Auto Care Synchrony Car Care Credit Card
  • Puronics Credit Card
  • Regency Furniture Credit Card
  • Rooms To Go Credit Card
  • Sam Ash Credit Card
  • Sam’s Club Mastercard
  • ScoreRewards Credit Card
  • Sewing & More Credit Card
  • Sheely’s Furniture & Appliance Credit Card
  • ShopHQ Credit Card
  • Sleep Experts Credit Card
  • Sleep Number Credit Card
  • Sleep Outfitters Credit Card
  • Sony Financial Services Credit Card
  • Stein Mart Credit Card
  • Summit Racing Equipment SpeedCard
  • Sunglass Hut Credit Card
  • Sutherlands Friends of the Family Plus Credit Card
  • Sweetwater Card
  • Synchrony Car Care Credit Card
  • Synchrony HOME Credit Card
  • Synchrony Sport Credit Card
  • System Pavers Credit Card
  • Techron Advantage Credit Card
  • The Dump Credit Card
  • Tire Discounters Traction Credit Card
  • Tire Pros Preferred Customer Credit Card
  • Tire-Rama Credit Card
  • TJX Rewards Platinum Mastercard
  • Town Fair Tire Credit Card
  • Tuffy Tire and Auto Service Credit Card
  • US Appliance Credit Card
  • Value City Furniture Credit Card
  • Vaughan-Bassett Credit Card
  • Verizon Visa Card
  • Vintage King Audio Credit Card
  • Woodwind & Brasswind Credit Card

Other Synchrony Bank offers

Synchrony Bank might specialize in retail credit cards, but it also offers a number of additional consumer financial products, such as money market accounts, IRA CDs and other types of credit (like travel rewards cards, medical credit cards and even automaker-branded cards).

Non-retail Synchrony Bank credit cards include:

Most popular Synchrony Bank cards

Synchrony’s diverse list of retail partners means you’re likely to find at least one store credit card worth considering. As with all types of debt, though, think through the potential advantages (purchase discounts and special offers) and drawbacks (such as a new hard inquiry, plus the potential to overspend) before deciding whether to apply for another card.

Below are some of the most popular Synchrony Bank credit cards among the issuer’s current lineup.

Lowe’s Advantage Credit Card

If you’re a do-it-yourselfer, the Lowe’s Advantage Credit Card could make a handy addition to your toolbelt. With no annual fee, 20% off your first purchase (for an up to $100 discount) and an automatic 5% discount on all other purchases, you could end up saving some serious cash as you spruce up your abode.

A caveat: The ongoing 5% savings can’t be combined with the card’s special financing offers, so you’ll have to pick one or the other. Unless you’re taking on a pretty big renovation, the immediate discount is your best bet – it eliminates the risk you’ll have to pay a ton of deferred interest if you have a remaining balance at the end of the promo period.

See related: Best credit card for home improvement

Sam’s Club Mastercard

If more road trips than flights are in your future, the Sam’s Club Mastercard is perfect for swiping at the pump. The card offers a generous 5% cash back rate on gas purchased at Sam’s Club and most other fuel stations. You’ll also score 3% cash back on dining purchases, which can take some of the sting out of those fast-food visits between stops. (And when you’re ready to return to the skies, 3% cash back on travel isn’t too shabby either.)

Unlike other cash back credit cards, though, rewards earned with the Sam’s Club Mastercard are issued as a check just once a year, in February.

Verizon Visa Card

Longtime Verizon customers (or those willing to switch carriers) might want to consider the Verizon Visa Card, which offers strong rewards in several everyday spending categories – a rarity among retail cards. Cardholders get 4% back on grocery store and gas purchases, 3% back on dining purchases, 2% back on Verizon purchases (including devices and monthly bills) and 1% back on all other spending.

The downside is that your rewards are issued as Verizon Dollars, which can only be redeemed for Verizon purchases, such as a new phone or your monthly service bill. If you’d rather trade in your cash back for, well, cash, you’ll have to look elsewhere.

PayPal Cashback Mastercard

Like the Verizon Visa, the PayPal Cashback Mastercard is a “diamond in the rough” among store credit cards. In fact, it rivals one of our highest-rated flat-rate cash back cards – the Citi® Double Cash Card – thanks to unlimited 2% cash back on every purchase (1% when you buy, plus an additional 1% as you pay for those purchases), no minimum redemption requirements and no annual fee to eat into your earnings.

Unless you’re a frequent PayPal user, though, the extra steps needed to claim your rewards may be a bit cumbersome – rewards can only be redeemed as statement credits to your PayPal account. And cardholders who are adept at finding the best travel redemptions may be able to earn a higher rewards rate with a more flexible cash back card.

Rakuten Cash Back Visa Credit Card

The Rakuten Cash Back Visa Credit Card rewards you with 3% cash back on qualifying purchases made through, In-Store Cash Back offers, Rakuten Hotels and Rakuten travel. The ability to stack those rewards with cash back offers at Rakuten’s affiliate stores – which regularly feature rates of up to 5% or more – makes this a lucrative card for Rakuten die-hards. As an open-loop card, it also earns 1% cash back on all other purchases.

Despite its inflexible redemption program, the Rakuten card deserves a closer look if you’re an American Express cardholder. Pairing it with an eligible Amex card could earn you 3x Membership Rewards points on top of those earned through a Rakuten cash back offer

How to apply for a Synchrony Bank card

The easiest way to apply for Synchrony Bank credit cards is online. Go to, then click “Where to Shop” at the top of the page. You can search for a specific retailer, browse through the bank’s partnering stores or filter cards by shopping category, such as home furnishings or sporting goods. If you find a card you’re interested in, click “Apply” and supply the requested information.

List of Synchrony Bank credit cards

Many of Synchrony’s partner stores also let you apply online or through their own websites. Alternatively, you can visit a merchant in person and request an application from an employee. Some cards offer one-time, same-day discounts upon credit approval, so you may want to wait until you’re ready to make a big purchase in order to maximize your savings.

Should you apply for a Synchrony Bank card?

Admittedly, retail credit cards can be a mixed bag. Between high interest rates and confusing deferred-interest promotions, you could find yourself deep in debt if you’re not careful. That said, if you need to build or rebuild credit – or you’re a particularly loyal shopper who could regularly save money from purchase discounts and special sales – a store-branded Synchrony Bank credit card could work in your favor.

But if you’d rather avoid the temptation to overspend at your favorite retailer, you might be better off with a traditional credit-building credit card. Whichever route you take, remember the cardinal rule of responsible credit use: Never charge more than you can afford to pay in full every month.

See related: Can you transfer a store card balance to a credit card?

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Kelli Pate is a freelance writer and copy editor living in Kansas City, though she's a Jersey girl at heart. When she's not writing about personal finance and credit cards, she's immersing herself in the world of travel hacking.


Synchrony Car Care Credit Card 2021 Review

Buckle up, we’ve got some explaining to do. The Synchrony Car Care card is a store card. But instead of just using it within a certain brand, you can use the card at multiple locations someone with a car is likely to frequent. Gas stations, service centers and auto parts retailers are all pit stops that qualify. So are car washes, tolls, parking, rideshare/taxi, auto insurance and gas. According to Synchrony’s website, the Synchrony Car Care card is accepted at over 500,000 auto parts and service businesses and over 200,000 gas stations nationwide.

The card’s main selling point is that it offers 6 months of promotional financing on purchases of $199 or more every day. So, if you need new tires one month and to replace your brake pads a few months later, you can spread out the payments on those expenses over six months.

But, why would you get this card when there are so many better options? Usage of the Synchrony Car Care card is limited and could break down on you when you need it most. What if your tank is almost empty but the closest gas station doesn’t take your card? Or if you found the best price on a new muffler was at a nearby auto parts store that doesn’t accept the card?

And, the promotional financing offers may be more harmful than helpful if you don’t follow the promotion guidelines. This means that if you pay late or miss a payment, you’ll have to pay all the interest you thought you were saving on. You’d be far better off with a card that has wider acceptance and a true 0% APR offer. If this card were a person, it would be a used car salesman in a frayed tweed jacket trying to convince you it’s a good deal.


Synchrony Bank

Ready to put Synchrony Bank’s great savings rates to work for you? The Synchrony Bank app gives you quick access to your money anytime. Now it also offers you the ability to open an account in just minutes.

“We knew this account from Synchrony Bank was safe. We knew we could access it when we needed it. It had the highest interest rates. That’s why we chose it.”

Mia N., High Yield Savings account customer

We’ve been recognized:
• NerdWallet Best Savings Account 2016-2018
• Bankrate Safe & Sound® 5-Star Rating 2014-

Sign up for a new account or sign in with your username and password or, on compatible devices, use smart-touch fingerprint detection or facial recognition.

With the Synchrony Bank app, you can:
• Open new accounts in just minutes
• Check balances at a glance with our widget, or
simply ask Google Assistant
• Reach out for support from our award-winning
customer service team, or chat to get your
questions answered in the app
• Deposit checks using your mobile device
• Get account information in our easy-to-read
• Link your Synchrony Bank account to external
bank accounts for easy transfer of funds
• Track all your account activity to review anytime,

We’ve built every feature of Synchrony Bank’s app with accessibility for all in mind: the app is screen reader-friendly, supports variable font sizes, and uses optimal colors for readability so you can easily review your bank info wherever you are, whenever you need it.

With the app in hand, you’ll have the power of easy-to-use Synchrony service wherever your next adventure takes you.

Have a question, comment, or concern? Let us know at [email protected]

We’re not your average bank—you can expect more from Synchrony Bank, where we’re proud to have helped customers for more than 80 years. Today, we combine the stability of FDIC insurance with simple, smart digital tools and consistently great rates. Learn more about banking smartly with us at or reach out to our highly rated customer service team at 1-866-226-5638 for banking in sync with you.

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**Bankrate Safe & Sound 5-Star Rating earned 2014 through 2018.

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Resolving Debt with Synchrony Bank

Many branded store, and specialty credit cards, are serviced by Synchrony Bank. If you are wondering whether you card is serviced by Synchrony, I provide a list of known businesses that use them below.

As you can see, Synchrony is not just about its flagship relationships like Amazon, and Care Credit. They do a ton of financing with fuel stations, and other auto related purchases we all need, as well as major clothing stores like Old Navy, American Eagle, and many others.

There are other credit card servicing platforms for large and small retailers, like Comenity Bank, but Synchrony is the largest. They have millions of customers.

Can’t Make Payments on a Synchrony Credit Card?

Making late payment to Synchrony? How to resolve your debts with them.

If you miss a payment to Synchrony, they are likely going to charge a late fee. If your situation is such that you can get the payment and fee to them prior to your next billing cycle, you can avoid being reported as 30 days late on your credit reports.

If you are dealing with something more than a one month financial hiccup, you may want to call Synchrony, after already being late, and ask about any hardship repayment program they may offer to you. But be sure you are confident you can follow through with any reduced payment Synchrony offers on a continuing basis.

If your situation is one that causes you to miss more than one payment, or you have too many accounts that you are juggling, it may be time to seek out a more permanent solution.

Getting Help with Synchrony Debt

You may have passed the point where temporary relief, or Synchrony waiving a late fee, is going to be helpful. This is often the case when you do not have enough income to meet all your bills each month. When this happens, you are typically looking at the following 3 mainstream methods for getting debt relief.

  1. Enroll in a consumer credit counseling program and get all of your credit card debts under control. Review that link for a complete understanding of how credit counseling can help you. The gist is that your interest rates are reduced through agreements the counseling agency has with Synchrony and your other lenders.
  2. Be late enough with payments to Synchrony in order for them to settle with you for less than what you owe. I often target Synchrony settlements at 40% of the balance owed (there are reasons to aim lower, or accept higher). You can sometimes split that up into 3 months if your account has not been charged off. And you will often find you are dealing with debt collection agencies and debt buyers the longer your account has gone unpaid.
  3. You could file chapter 7 bankruptcy and wipe out all unsecured debts. Be sure to review your situation with an experienced bankruptcy attorney. There are income and asset considerations for each state that can vary, and prevent you from filing.

Anything but paying Synchrony on time, all the time, is going to have an impact to your credit score, or your ability to access new credit products and loans. Be sure to review this article about how debt relief hurts your credit before you make any assumptions. The truth may surprise you.

Things may not be simple

There is usually more to think about when your settling debts with Synchrony. Most of us have more than one debt we are struggling to keep current, and Synchrony balances may be the lowest on our list. In fact, the smaller the balance (less than $1500), I will often discourage falling behind if it can be avoided.

It is also important to point out that Synchrony is one of the few lenders that will refuse to send you a written agreement, or settlement letter, outlining what you negotiated with them over the phone, until your payments are set up in the system. I typically encourage you to record the phone call where you are covering all that you are agreeing to with them. Use an old-school tape recorder on speaker phone, or download one of the free apps. Be sure to tell them you are recording that portion of the call and why (they will not release a letter). Hold that recording until your letter arrives (they do send them).

Check out this video where I cover negotiating with Synchrony in more detail:

Be sure to reach out via the get help button if you want to talk through your options with someone. I can often answer basic questions via email, and you have the option of scheduling a 15-minute free call.

Here are the more common retailers and services that provide credit cards through Synchrony. Not all of these accounts will settle the same way, or for the same amount, but most do.

  • 76 Gas
  • ABC Warehouse
  • Abt Electronics
  • Amazon
  • America’s Tire Store
  • American Eagle Outfitters
  • American Signature Furniture
  • Ariens and Gravely Get the Gear
  • Art Van
  • Ashley Furniture HomeStore
  • Athleta
  • Banana Republic
  • Bargain Outlet
  • Belk
  • Bernina
  • Big Sandy Superstore
  • Bjorn’s
  • Bomgaars
  • Boris Home Furnishings
  • BP Visa
  • Briggs & Stratton
  • Brooks Brothers MC
  • Car Care One
  • Care Credit
  • Carpet One
  • CheapOair / One Travel
  • Chevron / Texaco Visa
  • City Furniture
  • Conoco
  • Dick’s Sporting Goods MC
  • Dillard’s Amex
  • Discount Tire
  • Dream Bed
  • Drexel Heritage
  • DX Engineering
  • Ebates Visa
  • Ebay MC / Paypal MC
  • Electronics Express
  • Ethan Allen
  • eXmark
  • Field & Stream
  • Flooring America
  • Freedom to Ride
  • GAP
  • Goldsmith Store
  • Golf Galaxy
  • Google Store
  • Guitar Center
  • Haverty’s
  • HH Gregg
  • Hudson’s Furniture
  • Husqvarna
  • Hyde Park Jewelers
  • JCPenney
  • Jewelry Exchange
  • Kauffman Tire
  • Kraft Music
  • La-Z-Boy
  • Lee Michaels
  • LensCrafters
  • Levin Furniture
  • Living Spaces
  • Loves
  • Lowe’s
  • Lumber Liquidators
  • Maaco
  • Marvel
  • Massey Ferguson
  • Mattress Firm
  • McCoy’s Building Supply
  • Meineke
  • Men’s Warehouse
  • Metro Mattress
  • Midas
  • Mills Fleet Farm
  • Mohawk Flooring
  • Musician’s Friend
  • Napa EasyPay
  • Nautilus
  • Newell
  • Old Navy
  • Olejo
  • C. Richard & Son
  • Pearle Vision
  • Pep Boys
  • Phillips 66
  • QVC
  • Raheem
  • Reeds Jewelers
  • Regency Furniture
  • Rooms To Go
  • Sam Ash
  • Sam’s Club MC
  • Sewing and More
  • Shaw Floors
  • Shaw Floors
  • Shelly’s Furniture
  • Sleep Experts
  • Sleep Number
  • Sleep Train
  • Sleepy’s
  • Sony Store
  • Specialized
  • Star Lumber
  • Stash Hotel Rewards
  • Stein Mart MC
  • Summit Racing Equipment
  • Sunglass Hut
  • Sutherlands
  • Sweet water
  • System Pavers
  • Thomasville
  • Tire Pros
  • TJ Maxx
  • TJX Rewards MC
  • Toro
  • Toys R Us MC
  • US Appliance
  • Value City Furniture
  • Value City Furniture
  • Vine Live / Shop HQ
  • Walmart MC
  • Westrich Furniture & Appliances

Remember, Synchrony is one of the largest sellers of unpaid debt to companies like Portfolio Recovery Associates, Midland Funding, and Cavalry Portfolio. It is often more ideal to get affordable help to settle when you are dealing with debt buyers. The help can end up paying for itself.

Filed Under: credit counseling service, debt settlement

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