What if I want to pay off the item(s) that qualify for promotional financing before they are due? Failing to pay your bills isn’t the only thing that will cause a card issuer to close your account. How to avoid letting your account become inactive: Use your card. The agreement you have with your credit card issuer is fairly straightforward. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. With Autopay, your payment will automatically be deducted from your bank account each month on your payment due date. See the CardMatch terms and conditions for more details. Log in, go to the Profile menu and choose Alerts to unenroll. Keep your Social Security Number confidential. 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. Report your credit card and account information. At least, you agree to make regular minimum payments by the due date every month. Is Autopay a payment arrangement that guarantees that my account or promotion(s) will be paid in full before expiring? When shopping at a store with the Synchrony Car Care credit card, how do I take advantage of the everyday benefits of the card? Same-day payments are processed until 11:59 p.m. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. View the Pay Without Log In page to learn more. Or, you can call 877-295-2080. (about 6 months), the company is likely to close your account. Select that link to log in to your account. Call the card-specific toll-free number on your statement or the back of your credit card or find your dedicated service team. How to avoid defaulting: Make your payments on time, even if you can only afford to pay the minimum. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A new card can positively affect your credit score or simply provide rewards on your everyday spending. All financial products, shopping products and services are presented without warranty. Payments may also be made over the phone, but we will charge you a fee to make phone payments. ET. See merchant or mysynchrony.com/carcare for promotional financing details and merchant locations. Every browser is different. Smart features and free tools to help you get the most from your Synchrony credit card. You may also find that your account is shut down from lack of use, even if you have a zero balance. Everything for your home — from floors to décor. Pay the entire applicable Promotional Balance by the Promotional Expiration Date. How do I change my email address for Alerts? Sydney can provide log in assistance; as well as answer many of your account inquiries after successfully logging into your online account. If our virtual agent is unable to answer your question(s), you will be automatically transferred to a live Chat agent for further assistance. It may take up to 60 days to investigate and resolve your dispute. Can I choose how my future payments will be allocated between my balances on a single account? Here are the three most common reasons issuers close accounts. This is a little hard to pin down, because it’s not always clear why the issuer has shuttered the account. If you know your options and ask the right questions, you can find the best fit for your spending habits and goals. Have your payment information ready, including: Payment date, type (check, money order, electronic, etc. What if I want to close my account with Synchrony Bank? Here are the steps to follow for some of the most commonly used browsers: You may call us, but telephoning about billing errors will not preserve your rights under federal law. 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. Log in now and set up alerts to stay on top of your account and to track your daily spending. 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. Cancel your Synchrony card in three steps: Pay off your balance. We are only able to reallocate posted or same-day pending payments (when a deferred interest promotion is involved). Once enrolled, we’ll email you when your statement is ready to view online each month. Purchase items you need over six months with no interest or fees, but be aware of the drawbacks. At Synchrony, it’s our job not only to help our customers every day – but also when disasters like these strike. All payments must be made on monthly due date to avoid late fees. Over a million locations. 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. Use it to get specific account information or share a compliment or concern. Same-day payments are processed until 11:59 p.m. ALERT: Communication for customers impacted by Coronavirus (COVID-19) & the natural disasters. You may also write to us: You can also use this form to find dedicated Customer Service teams based on your specific retail credit card or program. 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. Then, it will become effective the next day. How do I change my personal information (email address, address, etc.)? But it is only assessed if you don’t pay the purchase balance within the promotional period. 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. Yes. Where can I use my Synchrony Car Care credit card? You can also vary the amount, date and payment source for each payment. Whatever the case may be, the company can close your account if you’ve changed or if it's changed what they want to offer their customers. No, you need to contact Customer Service to close your credit account. Log in to your account and click Promotional Purchases. After logging in to your account, click the View Activity button. To avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Visit the MySynchrony Mobile App page for more information and full FAQs. What should I do if I am having trouble viewing my account information on the screen? How long does it take to typically resolve a billing dispute? We may also receive compensation if you click on certain links posted on our site. At any time, except: (1) on your due date after 5 p.m. If cashed, get a copy of the cancelled check from your bank. Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account. A letter can help you if you later find an error on the bank’s side or it fails to close your account. If it has, contact us at the phone number indicated on your card and/or statement. **Minimum monthly payments required. We’ll also send you a confirmation email to the email address on file for your account. Canceling your Synchrony card could affect your credit score. Again, your unspent rewards are probably out of reach now, unless they were airline miles and are already showing up in your frequent flyer account. Because of that, you should consider: After you’ve spoken to a representative, consider sending a credit card cancellation letter to Synchrony. Federal Trade Commission website ET on Friday, if your due date is Saturday. Virginia C. McGuire is a staff writer covering personal finance for NerdWallet. We recommend that you change your password regularly. How does Synchrony Bank protect access to my online account? Can I request that my payment due date be changed? Best Balance Transfer and 0% APR Credit Cards, 7 Credit Card ‘Rules’ You Can Break in an Emergency Like COVID-19. Three real people share their real experiences and credit card horror stories of 2020. Find card offers you are more likely to qualify for without impacting your credit score. Or, you can call 877-295-2080. See your matched offers in less than 60 seconds. Yes, the deductions will resume if your balance increases after having a zero balance. You can tell that the session is secure when you see a locked padlock displayed at the top or bottom of most browser windows. Where can I review my payment history (including cancelled payments)? 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. will immediately jump. Virginia C. McGuire is a former credit cards writer for NerdWallet. Here’s how many points it takes to nab that Amazon gift card. They agree to advance you money, and you agree to pay it back. 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. Card Security is an optional program that can be cancelled at any time. You cannot enroll, modify or cancel Autopay (1) on your due date after 5 p.m. We calculate the interest charge on your account separately for each balance type. Make your payments on time, even if you can only afford to pay the minimum. Your Autopay enrollment is effective immediately for any upcoming due date. If I am enrolled in Autopay and have a zero balance, but make another purchase, will Autopay continue for the new balance? For Non-promotional balances: If you find any purchases you did not make, report these to Customer Service. Matches are based on a user's credit profile. From the Accounts menu, select your account, click Payments, then click History. Can I change the banking information that was stored from submitting a previous payment? Help & Support. 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. If you don’t use your rewards, you’ll lose them on closing your account. Rebate Center Hours: M–F 9AM – 9PM EST. What if I can’t remember my answers to the Security Questions? Registering your Synchrony credit card(s), Consumer Information: Disputing Credit Card Charges, You can also use this form to find dedicated Customer Service teams, Set monthly payment deducted from my bank account, Until balance is zero or Autopay is cancelled, 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, Any deferred or billed interest charges related to these purchases, Log in and then click on the Make Payment button, Select the payment amount, date and payment source, Log in then click on the Make Payment button. Pre-qualified offers are not binding. What is Your Credit Score with VantageScore®? 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. The Promotional Summary Box on your monthly statement will clearly show the balance for each promotional financing purchase and corresponding expiration date.