AC Repair and Installation Financing
in Fort Lauderdale

How It Works

Applying is convenient, fast and safe!

1. Apply Today

Fill out a secure online application.
Apply Now

2. Get A Decision

You’ll get an instant credit decision after you submit the application.

3. Start Shopping

If you’re approved, you’ll receive a temporary account number so you can start shopping right away.

FAQ

Have questions? We have answers.

Account Registration and Log In

Why register my Synchrony credit card account(s)?

Registering your Synchrony credit card(s) at mysynchrony.com offers you total control over online account management.

Quickly and easily track account activity, schedule payments, receive e-statements and more — anytime, anywhere, from your computer or mobile device.

You can also take advantage of other great features like access to our convenient MySynchrony mobile app and free Credit Score monitoring.

How do I register my credit card account(s)?

To register any Synchrony store credit card or Synchrony program card, you will need:

  • Full account number: It’s on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed
  • Last 4 digits of the primary accountholder’s Social Security Number
  • Date of birth

Register online now.

Where do I find my account number?
Account number is the number on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed.
How do I log in?
there’s a Log in button. Select that link to log in to your account.
What if I can’t remember my user name?
What if I can’t remember my password?
What if I can’t remember my answers to the Security Questions?
What if I’m still having log in issues?
Contact us by phone at the number on the back of your card. Once you have validated your identity and listened to your account summary say, “Online Assistance” to hear a review of the steps needed to register and log in to your account.

Viewing Your Statements and Enrolling in eBill

How do I read the Promotional Purchase Summary on my statement?

This section on your statement summarizes your:

  • Promotional expiration date
  • Promotional balance
  • Any deferred or billed interest charges related to these purchases
How do I receive paperless statements?
View the eBill page for enrollment steps and more FAQs. Once enrolled, we’ll email you when your statement is ready to view online each month.

Making Payments, Setting Up Autopay and Alerts

What methods of payment can I use to pay my bill?
In addition to online payments (single, multiple and Autopay), we accept checks drawn on US financial institutions, money orders, Western Union, Walmart Bill Pay services or electronically submitted payments from your financial institution. Payments may also be made over the phone, but we will charge you a fee to make phone payments. Gift certificates and credit cards are not accepted as a form of payment.
How do I make a single, one-time online payment?

You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

  1. Log in and then click on the Make Payment button
  2. Select the payment amount, date and payment source
  3. Click Submit Payment for Review
  4. Review your payment and click Submit

Look for a confirmation email from Synchrony Bank.

Where can I review my payment history (including cancelled payments)?
First log in. From the Accounts menu, select your account, click Payments, then click History. Use the Payments Quick Link to see the dates and amounts of scheduled, pending and processed payments.
Can I schedule multiple online payments in advance?

Same-day payments are processed until 11:59 p.m. ET. Follow the steps below to make multiple payments at one time:

  1. Log in then click on the Make Payment button
  2. Select the Multiple tab above
  3. Fill in the required information
  4. Enter up to 12 payments
  5. Click Create Payment Schedule

Look for a confirmation email from Synchrony Bank.

I received a confirmation that my payment was processed, how long does it take to clear my bank?
You should expect to see the funds withdrawn within approximately 72 hours of the posting date. Refer to your bank or financial institution.
Can I submit multiple payments in one day?
Yes, but each payment must have a unique payment source (bank account). If you are enrolled in Autopay, you may schedule an additional payment for your due date, but from a different payment source. Same-day payments are processed until 11:59 p.m. ET.
Will I get confirmation when I make an online payment?
Yes, you will get an email from Customer.Servicing@mail.synchronybank.com. We will also send an email confirmation once we have processed the payment.
Can I request that my payment due date be changed?
Yes. Call us to request a due date change. The number is on the back of your card. Or, you can call 877-295-2080..
How long will it take for my payment to post to my account?
24–48 Hours
What should I do if my payment has not been applied to my account?
Verify with your banking institution that the payment has cleared. If it has, contact us at the phone number indicated on your card and/or statement.

Or, you can call 877-295-2080. Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, online, Pay by Phone, In-Store).

If you:
Mailed a check: Check with your bank to see if the check was cashed. If cashed, get a copy of the cancelled check from your bank.
Made an online payment through your bank’s bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.
Made an online payment directly to Synchrony Bank at mysynchrony.com: Log in to your account to see if you have any notices that the payment didn’t go through properly. Check to make sure the funds were available and the correct account was used.

How many payments can I schedule?
Up to 12 payments may be scheduled up to 12 months in advance.
Can I change the banking information that was stored from submitting a previous payment?
Yes. You can add or delete bank accounts from the Banking Information tab under the Profile menu.
Will my payment post the same day that I submit it online through mysynchrony.com?
Payments received before 11:59 p.m. ET on any day will be credited as of the same day. Payments received after 11:59 p.m. ET on any day will be credited as of the next day. Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account.
Can I change or cancel my online payment?
Online scheduled payments that have a Scheduled status may be modified or cancelled. Pending or Processed payments or other non-online payments cannot be modified or cancelled.
Can I choose how my future payments will be allocated between my balances on a single account?
No. We are only able to reallocate posted or same-day pending payments (when a deferred interest promotion is involved). Please call the number on the back of your card and/or on your statement for assistance. Or, you can call 877-295-2080.
How can I avoid interest charges on Deferred Interest/No Interest if Paid in Full promotions?
Pay off the Promotional Balance on or before the promotional expiration date.
Is there a fee or penalty for paying off my Promotional Balance in advance?
No. There is never any penalty for early repayment.
Where can I find the expiration date for my special financing offer (promotional purchase)?
Log in to your account and click Promotional Purchases. You can also find this information on your billing statement in the Promotional Purchase Summary box.
What is Autopay?
With Autopay, your payment will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.
What’s the difference between Multiple Payments and Autopay?

With Autopay, set payments will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

When you select Multiple Payments, there’s more flexibility; you can schedule up to 12 future payments independently, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

  Multiple Payments Autopay
Set monthly payment deducted from my bank account No Yes
Choose date of payment Yes No
Number of future payments Up to 12 Until balance is zero or Autopay is cancelled
Vary amount, date and payment source Yes No
How do I set up Autopay?
  1. From the Home Page, select the Autopay-Off link located below the Make Payment button.
  2. Click the Enroll in Autopay button
  3. Select the payment amount and payment source
  4. Agree to the Terms and Confirm Autopay
  5. Review your Autopay settings and Submit

You will see a confirmation screen showing your Autopay settings and a confirmation number. We’ll also send you a confirmation email to the email address on file for your account.

Is Autopay a payment arrangement that guarantees that my account or promotion(s) will be paid in full before expiring?
No. Autopay is not a payment plan arrangement. It is your responsibility to schedule an amount to be automatically deducted that satisfies the Total Minimum Payment Due and any promotional balance at expiration.
Will interest charges and late payment fees still be assessed even though I signed up for Autopay?
Yes, if applicable on your account. Autopay is simply an automatic way to make a payment. Your payment will deduct on your due date, and once you enroll in Autopay, you should avoid a late fee. You could get a late fee if your bank account has insufficient funds or if you already have an interest charge on your account.
Will I get confirmation when I enroll in Autopay?
Yes, you will receive an Autopay confirmation number and a confirmation email when you enroll. An email will also be sent when your Autopay payment posts on your Payment Due Date.
Will my bank account continue to have deductions even after my credit account balance is paid off?
No, the deductions will be suspended when your account has a zero balance. Autopay will resume when your account has a balance.
If I am enrolled in Autopay and have a zero balance, but make another purchase, will Autopay continue for the new balance?
Yes, the deductions will resume if your balance increases after having a zero balance. You may cancel enrollment at any time.
What if the account balance is less than the payment amount I selected?
Then your automatic payment will be reduced to the amount of your Current Balance.
How long will it take for Autopay to go into effect and start deducting payments from my bank account?
Your Autopay enrollment is effective immediately for any upcoming due date. The same time-of-day restrictions apply to Autopay as other scheduled payments. You cannot enroll, modify or cancel Autopay (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday.
After I have selected an amount for Autopay, when can I go back in to change it?
At any time, except: (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday. Your new Autopay amount will be finalized (based on your current balance and your Autopay settings) at 5 p.m. ET on your payment due date. Autopay payments that have a Pending or Processed status cannot be modified or cancelled.
Once I have cancelled Autopay, how long does it actually take to go into effect?
Autopay will be cancelled immediately unless you cancel after 5 p.m. ET on your due date. Then, it will become effective the next day.
What happens if the Total Minimum Payment Due increases and the Autopay amount I have selected is for less than the Total Minimum Payment Due?
The system will automatically adjust the payment to the Total Minimum Payment Due, if no other payments are received by the due date.
What if there is a delinquent amount on my account? Will this amount be deducted as well?
Yes. If the Total Minimum Payment Due is greater than the selected Autopay amount, then the amount of the Total Minimum Payment Due will be deducted from your bank account. (Total Minimum Payment Due includes the past due amount and current due amount.)

If you have insufficient funds in your bank account, the payment will be rejected for insufficient funds and will not be processed.

Can I submit additional payments while enrolled in Autopay?
Yes. Any additional payments (or credits) processed on your account may reduce the Automatic Payment that is scheduled.
What are Alerts?
Alerts are one-way communications via email or text message about your account. Log in now and set up alerts to stay on top of your account and to track your daily spending.
How do Alerts work?
Depending on which alerts you choose, you will receive them on a selected date, when a particular activity happens or when certain criteria are met.
How often will I get them?
Some alerts could be sent multiple times in a billing period since they’re tied to transactions on your account. Others will be sent just once a month.
Where do I sign up for Alerts?
After you log in, go to the Profile menu, select Alerts, then customize the alerts to your needs.
How do I change my email address for Alerts?

Log in, go to the Profile menu, go to Personal Information and update the email address.

How do I change my phone number for Alerts?
The mobile phone number on your account will be the phone number used for alerts. To change it, log in, go to the Profile menu, go to Personal Information and update the phone number.
Are Alerts ever delayed?
Some alerts are dependent on overnight updates to our system and are sent out the following morning. Occasional system maintenance can also affect the timeliness of alerts.
How do I stop receiving Alerts?
Log in, go to the Profile menu and choose Alerts to unenroll.

Pay Without Log In, MySynchrony Mobile App, and Your Credit Score

What is Pay Without Log In?
It’s a simple, fast, secure way to make same-day Synchrony credit card payments online without logging in. You can use it on any connected device, including your smartphone, tablet, laptop or desktop. View the Pay Without Log In page
What is the MySynchrony Mobile App?
Wherever you’re heading and whatever you’re working forward to, you can count on the MySynchrony Mobile App to help you stay on top of the Synchrony credit card accounts you manage at mysynchrony.com—without skipping a beat. Put the power of online account management in the palm of your hand today! Visit the MySynchrony Mobile App page for more information and full FAQs.
What is Your Credit Score with VantageScore®?
It’s a top credit scoring model used by many lenders when they consider whether to approve applications and decide what rates and terms to offer. >View the Your Credit Score page to learn more.

Understanding Promotional Financing, Interest Charges and Late Fees

What is an Equal Payment Promotion, and how does it work?
With an Equal Payment Promotion, no interest will be charged on the promotional purchase and the same equal payments are required monthly. This monthly payment amount is determined by dividing the purchase price by the number of months in the promotional period. All payments must be made on monthly due date to avoid late fees.
What is a Deferred Interest Promotion, and how does it work?
With a Deferred Interest Promotion, a minimum monthly payment is required, and varies based on your balance and account terms. No interest will be charged on the promotional purchase if you pay the purchase amount in full within the applicable promotional period.

Interest will still accrue at the standard rate for your account. But it is only assessed if you don’t pay the purchase balance within the promotional period. If you only make the minimum payments, you may not pay off your purchase by the end of the promo period. To avoid accrued interest, you must pay in full before the end of the promotional period.

What is a Fixed Pay Promotion, and how does it work?
With a Fixed Pay Promotion, a reduced APR is charged on the promotional purchase from the purchase date, and the same fixed payment amount is required monthly.

Interest is assessed on the promotional purchase at the reduced APR, and equal payments are required until the promotion is paid in full. Example: 7.9% APR for 24 months until paid in full.

How is interest calculated and charged?

We calculate the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. See below for more details on how this works.

  1. How to get the daily balance:
    We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment fees are treated as new purchases.
  2. How to get the daily interest amount:
    We multiply each daily balance by the daily rate that applies.
  3. How to get the starting balance for the next day:
    We add the daily interest amount in step 2 to the daily balance from step 1.
  4. How to get the interest charge for the billing cycle:
    We add all the daily interest amounts that were charged during the billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as a new purchase.

How can I avoid late payment fees?
Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least the Total Minimum Payment Due given on your statement.

When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to post.

Why has a late fee been charged to my account?
A late fee is charged to your account if the Total Minimum Monthly Payment shown on your billing statement is not received by the due date shown on the statement. A late payment fee is charged if you pay less than the minimum required or the payment was not received by the payment due date. If payment is submitted online, it may take 48 hours to post to your account. If mailing your payment, please be sure to allow 7-10 business days for your payment to be received and posted to your account.
How can I avoid interest charges?

If you have a Deferred Interest/No Interest If Paid In Full promotional purchase balance:
Pay the entire applicable Promotional Balance by the Promotional Expiration Date.

Note: Deferred interest charges will be shown on each statement, but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date. If you do not pay your balance in full by the end of the promotional period, interest that has accrued from the purchase date will be charged to the account.

For Non-promotional balances:
Pay all non-promotional balance(s) in full each month by your Payment Due Date each month to avoid paying interest.

Why has interest been charged to my account on my Deferred Interest promotion if I have made all of the minimum payments?

If your purchase qualified for a Deferred Interest promotion, interest is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period.

Synchrony Bank sends monthly statements to you which show the Deferred Interest Charge, and the Promotional Expiration Date. Be sure to make at least the minimum payment each month, and plan to pay your balance in full by the end of the promotional period to avoid having the accrued interest charged to your account.

Check your statements to ensure that you’re on track to pay off your balance before the promotional expiration date. For more information, watch this informative video about Deferred Interest promotional financing.

Online Banking and Savings

How can I open an online bank account with Synchrony?
Synchrony Bank currently offers award-winning savings products with consistently great rates. Go to SynchronyBank.com and start saving today.
How can I log into my online savings or cd with Synchrony?
Go to SynchronyBank.com and sign in for your online banking needs. You can also download the Synchrony Bank mobile app.

Activating Your Account & Reporting Lost/Stolen Card

Do I need to activate my account, and if so, how do I activate it?
If you received your card with a sticker on the front of it, you will need to call the number listed on the sticker to verify your information and activate your account.
What should I do if my credit card is lost or stolen?
Please call our automated phone system to report your card lost or stolen. It’s available 24 hours a day. Call 877-295-2080. For your protection, we will close your account and will issue you a new account number. Please review your account activity. If you find any purchases you did not make, report these to Customer Service.
What if I want to close my account with Synchrony Bank?
You can close your account at any time. Bear in mind, your Synchrony Bank credit card account gives you benefits like promotional financing, online payments and world-class service.

However, if you still prefer to close your account, please contact Customer Service. The number is on the back of your card. Or, you can call 877-295-2080.

Can I close my credit account online?
No, you need to contact Customer Service to close your credit account. Call the number on the back of your card or, you can call 877-295-2080
Can I remove my phone number?

We must have at least one phone number associated with each account. You can change or remove additional phone numbers as long as one remains on the account.

Where is my historical account information?
After logging in to your account, click the View Activity button.

Card Security, Fraud Protection and Dispute Resolution

What should I do if I suspect that I am a victim of fraud?
Immediately contact Synchrony Bank’s Fraud Department at 1-866-834-3205.

Report identity theft to the Federal Trade Commission:
Federal Trade Commission website
1-877-ID-THEFT (438-4338)
Mail to: Identity Theft Clearinghouse, FTC, Washington, DC 20580

Notify the three major credit bureaus:

Equifax
Report Fraud: 1-800-525-6285
Credit Report: 1-800-685-1111
www.equifax.com

Experian
Report Fraud: 1-888-397-3742
Credit Report: 1-888-397-3742
www.experian.com

TransUnion
Report Fraud: 1-800-680-7289
Credit Report: 1-800-888-4213
www.transunion.com

Can I change my Password?
Yes, you can change your Password by clicking Security from the Profile menu after you log in. We recommend that you change your password regularly.
Can I change my Security Questions?
Yes. Click Security from the Profile menu after you log in.
Can I change my User Name?

Yes. Click Security from the Profile menu after you log in.

What should I do if I am having trouble viewing my account information on the screen?
Use our automated phone system, call the Customer Service phone number on the back of your card or call 877-295-2080.

Telephone access for Store Credit Cards: Daily 8:00 a.m. — 12 midnight Eastern Time.

Telephone access for Visa/Mastercard Credit Cards: Daily — 24 hours a day.

How does Synchrony Bank protect access to my online account?
We use advanced encryption techniques, including Secure Socket Layer (SSL) technology, to protect the information you provide to us over the internet. You can tell that the session is secure when you see a locked padlock displayed at the top or bottom of most browser windows.

In addition, before displaying any account information online, we verify your identity using your Log in or Registration information.

Will I always be asked additional security verification questions when logging into my account?
We may ask security verification questions if our system does not recognize your device (e.g., phone, computer). If you select Remember Me after correctly answering the security question, you are requesting that we capture your device information and that we do not ask you security questions when accessing your account from that device. We suggest that you only select the Remember Me option when you are using your own computer, tablet, or phone.
Are there times when my online account may be unavailable?
Access to your online account may be down periodically when we perform maintenance, but that is generally done between 3:30 a.m. and 5:30 a.m. ET.
How do I bookmark this site or add it to my favorites?
Every browser is different. Here are the steps to follow for some of the most commonly used browsers:

How can I best protect my personal information offline and online?
  • Keep all your personal information in a secure place.
  • Keep your Social Security Number confidential.
  • Shred old financial documents.
  • Never give out personal information unless you know who you’re dealing with.
  • Choose complex passwords and change passwords regularly.
  • Watch out for fraudulent emails and websites masquerading as legitimate businesses.
  • Be careful what you download online. Free programs may contain spyware and adware.
  • Do not answer chain emails.
  • Monitor your credit reports.
  • Back up critical data.
  • Consider investing in PC security software.
How do I dispute something I see on my billing statement?
  • You may call us, but telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write us at:

    FCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035

    Please include:

    • Your name and account number
    • Dollar amount of the suspected error
    • Description of problem: describe what you believe is wrong and why you believe it is a mistake

    For comprehensive information of consumer credit card rights, review Consumer Information: Disputing Credit Card Charges on the FTC site.

How long does it take to typically resolve a billing dispute?
It may take up to 60 days to investigate and resolve your dispute.

Customer Deceased Notification

How do I submit a customer deceased notification?
To assist during this difficult time, Synchrony offers an online deceased notification form option to provide the Bank with the notification of the passing of the cardholder. The account record will be updated upon receipt of your submission. We may reach back out to the Representative of the cardholder if there are any other additional questions.

Synchrony Car Care™ credit card

What are the Synchrony Car Care credit card benefits?
  • 6 months promotional financing on purchases of $199* or more every day
  • Gas whenever you need it, wherever you are, with acceptance at over 200,000 gas stations nationwide across all major gas brands**
  • No annual fee1
  • Safe and Secure with $0 fraud liability
  • Ability to request a credit limit increase2
  • Exclusive cardholder discounts
  • Convenient monthly payments
  • 24/7 secure online account access
  • Customizable account alerts

*,**Subject to credit approval

**Minimum monthly payments required. See merchant or mysynchrony.com/carcare for promotional financing details and merchant locations. Gas station purchases are not eligible for promotional financing.

*Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Visit mysynchrony.com/carcare to find a location.

1For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms.

2Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

Where can I use my Synchrony Car Care credit card?
The Synchrony Car Care credit card is accepted at more than 500,000 auto parts and service business and over 200,000 gas stations nationwide. A complete list of participating retailers and gas locations can be found online here
When shopping at a store with the Synchrony Car Care credit card, how do I take advantage of the everyday benefits of the card?
Simply pay as you normally would—swipe or insert your card at checkout. Promotional financing will automatically be applied to eligible purchases.

It works the same when shopping online. Just enter your Synchrony Car Care credit card account number on the payment form at eligible online retailers.

What if I want to pay off the item(s) that qualify for promotional financing before they are due?
You can always make more than your minimum monthly payment and pay off your item(s) earlier than the promotional financing end date.
What if I have multiple promotional financing balances on my account at the same time?
The Promotional Summary Box on your monthly statement will clearly show the balance for each promotional financing purchase and corresponding expiration date. You can always choose to pay off your promotional balance earlier as well.

Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

Can I schedule multiple payments?
You can schedule up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.
Why has interest been charged to my account on my Deferred Interest promotion if I have made all the minimum payments?
Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. To avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date.
How do I change my personal information (email address, address, etc.)?
To change your email address, address, phone number, other personal information on your account, please visit www.mysynchrony.com.

If you need to change the name on the account, please call us at 866-657-0376 Monday through Friday from 8am — 12 midnight (ET).

How can I check the status of my rebate offer?
Have a question about or want to check the status of a Rebate? Visit SynchronyCarCare.myrebatemanager.com or call 1-855-333-2820; Discount Tire cardholders can visit dt.rebatepromotions.com or call 1-866-892-8078; America’s Tire cardholders can visit at.rebatepromotions.com or call 1-866-892-8078.

Note: Rebates cannot be used as a payment method on a Synchrony Car Care account. Rebate Center Hours: M–F 9AM – 9PM EST

Synchrony HOME™ Credit Card

What is the Synchrony HOME™ Credit Card?
Flooring, furniture, appliances, electronics and more, you can put it all on your Synchrony HOME Credit Card, a single card dedicated exclusively to your home-related purchases. Accepted at over a million locations nationwide, the Synchrony HOME Credit Card program brings together home-related retailers and offers promotional financing for more opportunities to transform your home. Learn more

SatisFi

What is SatisFi?
SatisFi from Synchrony is a platform that uses merchants’ credit partners to source multiple financing offers for you, based on your credit information and the purchase you are trying to make.
What happens if I don’t qualify for the first offer?
If you do not qualify for the first financing offer, you may be presented with a subsequent offer (subject to credit approval) that can be used to complete the purchase. Satisfi works with multiple financing providers to present you with financing solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the financing solution to complete your purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.
Which financial lenders work with SatisFi from Synchrony ?
SatisFi from Synchrony works with multiple partners. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this offer, you may be presented additional offers from the other lenders for each merchant, pending credit approval.
If I’m approved, what happens next?
You’ll have the opportunity to accept or decline the offer. If you accept the offer, additional information and terms will be provided to you and you can proceed to complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.

Contact Us or Chat Online

What is Chat?
Chat is an online communication service provided to cardholders who prefer to chat with a Synchrony agent instead of contacting us by phone, email or regular mail. On a desktop computer, click the Chat icon located on the log in screen for assistance with accessing your account. If you’re already logged in, you can open a chat window by clicking the Chat icon located in the upper-right corner of the browser. On a mobile device, click on the chat icon from the log in screen or the floating chat icon on the right-side of the device display if you’re logged in. Chat can also be used for pre-log in assistance; however, answers about specific account questions can only be provided if you’re logged into your account.
When is Chat available?
Chat is available 24×7 on both desktop computers and mobile devices. On a desktop computer, click the Chat icon located on the log in screen for assistance with accessing your account. If you’re already logged in, you can open a chat window by clicking the Chat icon located in the upper-right corner of the browser. On a mobile device, click on the chat icon from the log in screen or the floating chat icon on the right-side of the device display if you’re already logged in. Chat can also be used for pre-log in assistance; however, answers about specific account questions can only be provided if you’re logged into your account.
Why can’t I see the Chat icon?
The Chat icon is available 24×7 for assistance with logging into your account or post-log in account specific questions. After logging into your account, there may be circumstances in which you may not be able to see the icon on the upper-right corner of the browser window. If you need assistance when Chat is unavailable, please go to the Contact Us section and call the customer service number listed or call the phone number on the back of your card.
Does Synchrony use a virtual Chat agent?
Yes. When starting a Chat session, you’re immediately connected with Sydney, Synchrony’s intelligent virtual agent. Sydney can provide log in assistance; as well as answer many of your account inquiries after successfully logging into your online account.
How do I chat with a live agent?
If our virtual agent is unable to answer your question(s), you will be automatically transferred to a live Chat agent for further assistance.
Can a Chat Agent perform the same tasks as a Customer Service Representative who services cardholders by phone?
Yes. Our Chat Agents are part of our Customer Service team. They have access to the same tools and resources as our phone agents and are here to answer all your account questions.

Synchrony SetPay

What is Synchrony SetPay?
Synchrony SetPay is a simple and flexible way for shoppers to finance purchases over time through predictable, equal payments.