AC Repair and Installation Financing
in Fort Lauderdale
How It Works
Applying is convenient, fast and safe!
2. Get A Decision
3. Start Shopping
If you’re approved, you’ll receive a temporary account number so you can start shopping right away.
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
Where do I find my account number?
How do I log in?
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?
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?
Making Payments, Setting Up Autopay and Alerts
What methods of payment can I use to pay my bill?
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:
- Log in and then click on the Make Payment button
- Select the payment amount, date and payment source
- Click Submit Payment for Review
- Review your payment and click Submit
Look for a confirmation email from Synchrony Bank.
Where can I review my payment history (including cancelled 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:
- Log in then click on the Make Payment button
- Select the Multiple tab above
- Fill in the required information
- Enter up to 12 payments
- 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?
Can I submit multiple payments in one day?
Will I get confirmation when I make an online payment?
Can I request that my payment due date be changed?
How long will it take for my payment to post to my account?
What should I do if my payment has not been applied to my account?
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).
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?
Can I change the banking information that was stored from submitting a previous payment?
Will my payment post the same day that I submit it online through mysynchrony.com?
Can I change or cancel my online payment?
Can I choose how my future payments will be allocated between my balances on a single account?
How can I avoid interest charges on Deferred Interest/No Interest if Paid in Full promotions?
Is there a fee or penalty for paying off my Promotional Balance in advance?
Where can I find the expiration date for my special financing offer (promotional purchase)?
What is Autopay?
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.
|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?
- From the Home Page, select the Autopay-Off link located below the Make Payment button.
- Click the Enroll in Autopay button
- Select the payment amount and payment source
- Agree to the Terms and Confirm Autopay
- 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?
Will interest charges and late payment fees still be assessed even though I signed up for Autopay?
Will I get confirmation when I enroll in Autopay?
Will my bank account continue to have deductions even after my credit account balance is paid off?
If I am enrolled in Autopay and have a zero balance, but make another purchase, will Autopay continue for the new balance?
What if the account balance is less than the payment amount I selected?
How long will it take for Autopay to go into effect and start deducting payments from my bank account?
After I have selected an amount for Autopay, when can I go back in to change it?
Once I have cancelled Autopay, how long does it actually take to go into effect?
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?
What if there is a delinquent amount on my account? Will this amount be deducted as well?
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?
What are Alerts?
How do Alerts work?
How often will I get them?
Where do I sign up for Alerts?
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?
Are Alerts ever delayed?
How do I stop receiving Alerts?
Pay Without Log In, MySynchrony Mobile App, and Your Credit Score
What is Pay Without Log In?
What is the MySynchrony Mobile App?
What is Your Credit Score with VantageScore®?
Understanding Promotional Financing, Interest Charges and Late Fees
What is an Equal Payment Promotion, and how does it work?
What is a Deferred Interest Promotion, and how does it work?
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?
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.
- 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.
- How to get the daily interest amount:
We multiply each daily balance by the daily rate that applies.
- 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.
- 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?
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?
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?
Activating Your Account & Reporting Lost/Stolen Card
Do I need to activate my account, and if so, how do I activate it?
What should I do if my credit card is lost or stolen?
What if I want to close my account with Synchrony Bank?
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?
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?
Card Security, Fraud Protection and Dispute Resolution
What should I do if I suspect that I am a victim of fraud?
Notify the three major credit bureaus:
Can I change my Password?
Can I change my Security Questions?
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?
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?
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?
Are there times when my online account may be unavailable?
How do I bookmark this site or add it to my favorites?
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
- 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?
Customer Deceased Notification
How do I submit a customer deceased notification?
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?
When shopping at a store with the Synchrony Car Care credit card, how do I take advantage of the everyday benefits of the card?
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?
What if I have multiple promotional financing balances on my account at the same time?
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?
Why has interest been charged to my account on my Deferred Interest promotion if I have made all the minimum payments?
How do I change my personal information (email address, address, etc.)?
How can I check the status of my rebate offer?
Note: Rebates cannot be used as a payment method on a Synchrony Car Care account. Rebate Center Hours: M–F 9AM – 9PM EST