Creditor Information / Synchrony
| Telephone | 866-532-2460 or 888-679-6300 |
| Payment Percentage of balance | 2.25%/ 2%/ 1.75% |
| Payment Minimum Amount | $10.00 |
| Charge Free Period | N/A |
| Acct Required to be Open | N/A |
| CSP/Hardship programs | Yes |
| DMP Interest Rate | 12.5%/7.45%/0% |
| Waive late fees | Yes |
| Waive over limit fees | Yes |
| DMP benefits begin | Upon proposal acceptance |
| Re-Age | Yes, automatically after third accepted DMP payment, if eligible |
| Restructure | Yes, case by case. Call creditor first to inquire. If eligible fax hardship proposal to (866)-694-6580 for manual review |
| Recall | No |
| Due Date Changes | No |
| Charge Off Period | 150 Days |
| Drop Policy | Drops upon Charge Off |
| Internal hardship/ Promotion Policy | If any promo related balance is not paid off by the end of the promo period the deferred interest is applied to the balance. If proposal rejects for this reason, obtain the deferred interest and add it to the current balance, send new proposal based on the combined balance to ensure it amortizes within 60 months |
| Misc. Information | Effective May 1, 2022, Synchrony will discontinue use of Peregrin for communications. This will have no impact on how proposals are sent; there is no change to that. Please use cccsinquiries@syf.com to communicate with Synchrony. |