Financing

Types Of Credit Promotions That May Be Available

One or more of these credit promotions may be available on qualifying purchases made with your Synchrony Bank credit card account. Check with your merchant for the specific promotion offered for your purchase.

NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD (Deferred Interest)
The length of the promotional period will depend on the specific promotion offered by merchant. Interest at the rate of 29.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 29.99% you must pay the total promotional purchase amount within the promotional period.

INTEREST FREE AND EQUAL MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (No Interest)
An equal monthly payment amount will be required based on repayment over the term (number of months) of the promotional period.

REDUCED INTEREST RATE AND FIXED MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL (Reduced Interest)
The reduced interest rate will depend on the specific promotion offered by merchant. A fixed monthly payment amount will be required based on repayment over the terms (number of months) of the promotional period.

 

Steps To Apply For A Synchrony Bank Credit Card

Step 1 Please follow these guidelines when completing your application:

 

APPLICATION AND CREDIT CARD ACCOUNT AGREEMENT

** MARRIED WI Residents only:
If you are applying for an individual account and your spouse also is a WI resident,
combine your and your spouse’s financial information.

1. APPLICANT INFORMATION:

Please tell us about yourself. Please note that you must reside in the United States and be 18 years or older to apply.

Full Name
Date of Birth
Social Security Number
Phone Number*
Mailing Address (Apt#, City, State, ZIP)

If the above address is a P.O. Box, you must provide a street address for yourself or a contact person

Contact Person Name
Street Address (Apt#, City, State, ZIP)
Housing Information
Monthly Net Income From All Sources
Employer’s Phone Number*
Relative Phone Number*
Email Address

*You authorize Synchrony Bank (“SYNCB”) to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages from SYNCB and the dealers/merchants/retailers that accept the Card. Standard text messaging rates may apply.

2. JOINT APPLICANT INFORMATION:

An additional card will be issued to the person indicated below. The applicant (and joint applicant, if any) will be liable for all transactions made on the account including those made by any authorized user. JOINT APPLICANT: You agree that we may send notices to you and/or applicant at the applicant’s address, regardless of whether you live at that address.

Full Name
Date of Birth
Social Security Number
Phone Number*
Mailing Address (Apt#, City, State, ZIP)

If the above address is a P.O. Box, you must provide a street address for yourself or a contact person

Contact Person Name
Street Address (Apt#, City, State, ZIP)
Housing Information
Monthly Net Income From All Sources
Employer’s Phone Number*
Relative Phone Number*
Email Address

3. APPLICANT and JOINT APPLICANT: We need your signature(s) below

By applying for this account, I am asking Synchrony Bank (“SYNCB”) to issue me a SYNCB credit card (the “Card”), and I agree that

• I am providing the information in this application to SYNCB and to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates). I also provide my consent for SYNCB to provide information about me (even if my application is declined) to dealers/merchants/retailers that accept the Card and program sponsors (and their respective affiliates) so that they can create and update their records, and provide me with service and special offers.

• SYNCB may obtain information from others about me (including requesting reports from consumer reporting agencies and other sources) to evaluate my application, and to review, maintain or collect my account

• I consent to SYNCB and any other owner or servicer of my account contacting me about my account, including using any contact information or cell phone numbers I provide, and I consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting me, even if I am charged for the call under my phone plan.

• I have received, read and agree to the credit terms and other disclosures in this application, and I understand that if my application is approved, the SYNCB credit card account agreement ("Agreement") will be sent to me and will govern my account. Among other things, the Agreement: (1) includes a resolving a dispute with arbitration provision that limits my rights unless I reject the provision by following the provision’s instructions; and (2) makes each applicant responsible for paying the entire amount of the credit extended.

PLEASE SEE THE ATTACHED CREDIT CARD AGREEMENT FOR RATES, FEES AND OTHER COST INFORMATION.

Federal law requires SYNCB to obtain, verify and record information that identifies you when you open an account. SYNCB will use your name, address, date of birth, and other information for this purpose.

If you apply with a Joint Applicant, each of you will be jointly and individually responsible for obligations under the Agreement and by signing below, you each agree that you intend to apply for joint credit.

Signature of Applicant
Signature of Joint Applicant (If Applicable)