ENJOY THE LUXURY OF TIME

With the Synchrony Luxury Credit Card, you can make the special jewelry purchases you want today and pay over time.

PROMOTIONAL FINANCING IS AVAILABLE AT
RETAILERS THAT ACCEPT YOUR CARD 1 .

Plus, enjoy periodic cardholder-exclusive offers!

Budget your large jewelry purchases for the big events and small moments.

Take your purchase home
today and make convenient
monthly payments.

Upgrade or buy more of what
you really want using a
dedicated credit limit. 1

$0 fraud liability
No annual fee 1
Free access to your credit score

How It Works

Use the locator to find
Synchrony luxury
retailers.

Apply in store.

Start shopping at thousands of retailers nationwide.

SHOP AT THOUSANDS OF LOCATIONS!

Find businesses in your area that offer financing.

Articles & Inspiration

ESTIMATE YOUR MONTHLY PAYMENTS

Make the best decision on how to budget your purchase with our convenient Payment Calculator.

MANAGE ON THE GO

The MySynchrony app for iOS and Android lets you manage your account and find nearby retailers and offers anywhere, anytime. 2

FAQ

Have questions? We have answers.

Account Registration and Log In

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.

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

there’s a Log in button. Select that link to log in to your account.

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.

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.

Viewing Your Statements and Enrolling in eBill

This section on your statement summarizes your:

• Promotional expiration date
• Promotional balance
• Any deferred or billed interest charges related to these purchases

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

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.

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.

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.

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.

You should expect to see the funds withdrawn within approximately 72 hours of the posting date. Refer to your bank or financial institution.

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.

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.

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.

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.

Up to 12 payments may be scheduled up to 12 months in advance.

Yes. You can add or delete bank accounts from the Banking Information tab under the Profile menu.

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.

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.

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.

For Private Label Credit Cards mail to:
Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

For Visa/Mastercard credit cards mail to:
Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013

Pay off the Promotional Balance on or before the promotional expiration date.

No. There is never any penalty for early repayment.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Yes. Any additional payments (or credits) processed on your account may reduce the Automatic Payment that is scheduled.

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.

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.

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.

After you log in, go to the Profile menu, select Alerts, then customize the alerts to your needs.

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

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.

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.

Log in, go to the Profile menu and choose Alerts to unenroll.

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

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 to learn more.

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.

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

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.

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.

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.

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.

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.

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.

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.

Payment Security, Fraud Protection and Dispute Resolution

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:

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.

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

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

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.

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.

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.

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.

Every browser is different. Here are the steps to follow for some of the most commonly used browsers:

• 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.

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.

It may take up to 60 days to investigate and resolve your dispute.