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Synchrony

Creditor Information / Synchrony

Telephone866-532-2460 or 888-679-6300
Payment Percentage of balance2.25%/ 2%/ 1.75%
Payment Minimum Amount$10.00
Charge Free PeriodN/A
Acct Required to be OpenN/A
CSP/Hardship programsYes
DMP Interest Rate12.5%/7.45%/0%
Waive late feesYes
Waive over limit feesYes
DMP benefits beginUpon proposal acceptance
Re-AgeYes, automatically after third accepted DMP payment, if eligible
RestructureYes, case by case. Call creditor first to inquire. If eligible fax hardship proposal to (866)-694-6580 for manual review
RecallNo
Due Date ChangesNo
Charge Off Period150 Days
Drop PolicyDrops upon Charge Off
Internal hardship/ Promotion PolicyIf 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. InformationEffective 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.

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