12/30/2023 0 Comments My synchrony financial![]() Minimum monthly payments, based on a percentage of your account balance or a minimum amount, are required in accordance with the standard account terms.Existing cardholders: See your credit card agreement terms. For New Accounts: purchase APR is 29.99%. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. If you do not, interest will be charged on the promo balance from the purchase date. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. Qualifying purchase amount must be on one receipt. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. On purchases of $199 or more made with your Synchrony Car Care™ credit card. No Interest if Paid in Full within 6 Months* Existing cardholders should see their cardholder agreements for their applicable terms. Synchrony Bank does not assign nor has responsibility for the assignment of MCCs or evaluates what MCC should be assigned to a particular merchant.ġFor new accounts: Purchase APR is 29.99% Minimum Interest Charge is $2. An MCC is a four-digit classification code that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant. ![]() **Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Acceptance of the Synchrony Car Care™ credit card is also determined by the merchant category code (the "MCC") associated with the merchant. No additional action is needed by the cardholder nor the merchant. ![]() Promotional financing is automatically applied to qualifying purchases by Synchrony, and is reflected on the account statement. Promotional financing is available at auto merchants where Synchrony Car Care is accepted. Gas station purchases are not eligible for promotional financing. For promotional financing details, click here. Extreme example, Slavery was once "how it works.* Minimum monthly payments required. Just because "that is how it works" does not make it the best way or even proper to do due so. With no recent balance or activitity it should be a given that the money is for the next due amount. I can only fault them for the way the payment was accepted and accounted for. Check your payment off your list today."Īgain, i cannot fault them for not notifying me. "Just a reminder, a payment was recently due on for your DISCOUNT TIRE/SYNCHRONY CAR CARE account. They did send emails about how i can use the card nationwide (Dec 6th), another one about estimating your payments for 0%/6 months deal on the 14th, and ultimately an email 6 days after the due date. No notifications at all on Dec 23rd that today a payment is still due. Synchrony sent no mail or email regarding a statement balance due, not that it matters as I should have been checking on it, even though i did make the payment very promptly after purchase. They could just take the money i gave them and apply it to the only possible thing it could have been for. They could have generated a statement balance instantly, or hours after the purchase was authorized. I am ranting that it should not work that way.Ī Purchase made, and very prompt payment were made, but it was not counted for what i consider to be a technicality or a gotcha reason.
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