Synchrony Bank

Synchrony

Quick answer

Synchrony SCRA overview

Synchrony Bank issues many retailer and program cards, including CareCredit, and provides Synchrony Pay Later loans. Synchrony's materials confirm that federal SCRA protections can apply, and its Pay Later page has a phone number for eligibility and enrollment. The correct next step depends on the product shown on your statement.

No bankwide 0% military rate is stated. Synchrony's ordinary 0% promotions are not proof of an SCRA rate. Ask for the rate, effective date, and covered accounts in writing.

Federal protections are separate from product-specific instructions provided by Synchrony.

Federal SCRA protection

Eligible pre-service debt may qualify for the federal 6% cap.

Covered interest and charges above the cap are forgiven rather than deferred. The account-opened date and service dates still matter.

Explore the federal benefit

Synchrony-specific answer

Pay Later has an SCRA enrollment phone.

The phone applies to Pay Later. For a store card, CareCredit, or another Synchrony account, use the account finder or the number on the current statement.

Read Synchrony Pay Later information

Match the account first

Start with the Synchrony product shown on your account.

Synchrony Bank issues many retailer and program cards, including CareCredit, and provides Synchrony Pay Later loans. The safest contact depends on the product.

Confirm that the agreement or latest statement names Synchrony Bank. A retailer's logo can be more prominent than the bank name.

Pay in 4 or Pay Monthly

Synchrony Pay Later

Synchrony lists one number specifically for Pay Later SCRA eligibility and enrollment. The page says certain benefits may be available to active-duty servicemembers and spouses or domestic partners.

This number is for Pay Later. Synchrony does not identify it as a universal SCRA number for store cards or CareCredit.

Call to ask which benefits apply, when they start, and which accounts are included.
Ask what service and account documents Synchrony needs before transmitting anything.

Pay Later SCRA phone1-866-694-6580

Call for Synchrony Pay Later SCRA eligibility and enrollment.

Call Pay Later View official page

Read the Synchrony Pay Later information

Store card, partner card, CareCredit, or another account

Other Synchrony accounts

Synchrony does not list one bankwide SCRA enrollment number for every card and loan. Find the exact account, then use the number on the card or statement or the signed-in message center.

For a Synchrony Bank savings product, the SCRA interest cap is generally not the relevant protection because it concerns debt.

Use the official account finder to locate the correct brand and account help.
Ask for the SCRA or military-benefits team before sending documents.
Do not use an ordinary unsecured message for account details or military documents.

Official account finderFind your Synchrony account

Choose the retailer, program, or product to reach its account-specific support, then ask where to send an SCRA request.

Find my account View official page

Open Synchrony's account finder

Keep it account-specific. Do not send orders, an LES, identification, Social Security numbers, or full account numbers to Orders First or through unsecured email.

Continue browsing

More bank SCRA guides.

Browse the previous or next bank guide, or return to the complete directory.

← Santander Bank All institutions U.S. Bank →

Ready to estimate one account?

Estimate what may apply. Then contact the account shown on your statement.

Estimate