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Synchrony Financial
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut. Their financial products include credit, promotional financing and loyalty programs, installment lending, and FDIC insured savings products through Synchrony Bank, its wholly owned subsidiary.
777 Long Ridge Road
Stamford, CT 06902
https://www.synchronyfinancial.com/
Phone Contacts
Main: (203) 585-6730
Customer Service: (866) 419-4096
Email Contacts
[email protected]
[email protected]
[email protected]
Customer Service Resources
Contact Page
Complaint Form
FAQ
Social Media Contacts
Facebook
Twitter
Executive Contacts
Primary Contact
Anika Green Watson
VP, Complaints Executive Inquiry Response Leader
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Secondary Contact
Carrie Moran
Corporate Consumer Relations
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Michael Bopp
Executive Vice President & Chief Customer Engagement Officer
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Steve Min, executive vice president and chief credit officer, [email protected]
Tom Quindlen, executive vice president and CEO, Retail Card, [email protected]
Kurt Grossheim, chief operating officer, [email protected]
Chief Executive
Margaret Keane
Chief Executive Officer
777 Long Ridge Road
Stamford, CT 06902
[email protected]
[email protected]
Last updated: November 5, 2020.
Best credit cards for extended warranties
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Editor’s note: This is a recurring post, regularly updated with new information.
When you make a purchase, it’s helpful to have the peace of mind of warranty protection from the manufacturer — especially if it’s an expensive item. But if your item breaks or is damaged after the warranty has ended, you may think you’re out of luck. The good news is if you put your purchase on a credit card with extended warranty protection, you may still be able to receive reimbursement for repair or replacement costs, or even have the original purchase cost reimbursed. That’s something to remember now, in particular, as we head into the holiday shopping frenzy.
This guide describes how to utilize the extended warranty benefit offered by select credit cards as well as lists some of the best cards that offer extended warranty protection. Consider using one of them for your holiday purchases to ensure that the recipient is protected against the unexpected and can use the gift you give them well into the future.
The best extended warranty cards of 2021
The information for the Amex Green, U.S. Bank Altitude Reserve, Citi AAdvantage Platinum Select and Hilton Aspire cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
In This Post
What is a credit card extended warranty?
The extended warranty protection offered by select credit cards effectively extends the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.
Credit card extended warranty coverage varies. Some match the original warranty up to a particular period of time. Others add a set amount of time to the end of the original warranty. However, there are usually exclusions and maximum coverage limits. Note that extended warranty protection covers a wide variety south state bank greenwood sc items, whereas the cellphone protection offered by select credit cards only covers cellphones.
Related: Filing an extended warranty claim — reader success story
Comparing the best credit cards for extended warranties
Issuer, bank or network | Extension period | Maximum coverage | Maximum length of initial warranty |
Citi | 2 years | $10,000 per item | 5 years |
American Express | 1 pier one credit card contact number per item, $50,000 per account per year | 5 years | |
Chase | 1 year | $10,000 per claim, $50,000 per account | 3 years |
Visa Signature | Match up to 1 year | $10,000 per claim, $50,000 per cardholder | 3 years |
Visa Infinite | 1 year | $10,000 per claim, $50,000 per cardholder | 3 years |
USAA | Match up to 1 year | $15,000 per claim, $50,000 per account | 3 years |
It’s important to note that only certain cards offered by these issuers or banks offer extended warranty protection.
The following sections describe some of the best consumer cards from these issuers that offer extended warranty protection.
Other cards not mentioned here also offer extended warranty protection, so you don’t assume that a card doesn’t offer this benefit simply because it is not listed in this guide. Check your card’s guide to benefits for details.
Related: The ultimate guide to credit card application restrictions
Comparing the best Citi credit cards for extended warranties
Card | Sign-up bonus | Earning rates | Annual fee |
Citi Premier® Card | 80,000 bonus points after you spend $4,000 on purchases within the first three months of account opening. | 3x ThankYou points on air travel, hotels, gas stations, restaurants and supermarkets; 1x on all other purchases | $95 |
Citi / AAdvantage Platinum Select World Elite Mastercard | 50,000 miles after you spend $2,500 on purchases within three months of account opening | 2x on eligible American Airlines purchases, restaurants and gas stations; 1x on all other purchases | $99 (waived for the first year) |
American Airlines AAdvantage MileUp Card | 10,000 miles and a $50 statement credit after you spend $500 on purchases within three months of account opening | 2x on grocery stores and eligible American Airlines purchases; synchrony bank walmart credit card contact on all other purchases | None |
AT&T Access Card from Citi | 10,000 points after you spend $1,000 on purchases within three months of account opening | 2x on eligible retail and travel websites; 2x on products and services purchased directly from AT&T; 1x on all other purchases | None |
The information for the Citi AAdvantage Platinum Select and the AT&T Access cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Back in 2019, Citi removed many benefits from its cards to the dismay of many. However, the Citi cards described in the above table still offer an extended warranty benefit. This benefit extends the manufacturer’s warranty by two years, with total coverage not exceeding seven years from the purchase date.
Citi doesn’t have a minimum manufacturer’s warranty required for coverage, so a one-month manufacturer’s warranty would still be extended by two years on covered items. If you purchase an extended warranty, Citi’s coverage begins at the expiration of that warranty. To be eligible for coverage, you must have paid for either all or part of the item with your Citi card and/or ThankYou points.
Citi’s extended warranty coverage doesn’t apply to:
- Boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment (tires aren’t covered, either).
- Services, unless covered under the manufacturer’s warranty.
- Used, antique or pre-owned items.
- Items purchased for resale, professional or commercial use.
- Land or buildings; housing properties.
- Plants and live animals.
- Items that don’t come with a manufacturer’s warranty.
Additionally, Citi’s extended warranty coverage doesn’t apply when:
- You fail to care for or service the item appropriately as required by the manufacturer.
- The item has a product defect, recall or experiences normal wear and tear where no failure has occurred.
- The item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.
Related: The best Citi credit cards
Comparing the best American Express cards for extended warranties
Card | Welcome bonus | Earning rates | Annual fee |
American Express Green Card | 30,000 points after you spend $2,000 on purchases in your first three months. Terms apply. | 3x on travel, transit and restaurants; 1x on all other purchases | $150 (see rates and fees) |
The Platinum Card from American Express | Earn 100,000 bonus points after you spend $6,000 on purchases on the card synchrony bank walmart credit card contact the first six months of card membership. | 5x on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Plus, earn 10x points on eligible purchases on the card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership. 1x on other purchases | $695 (see rates and fees) |
American Express Gold Card | 60,000 points after you spend $4,000 on purchases in your first six months. Terms apply. | 4x at restaurants and U.S. supermarkets (on up to $25,000 per calendar year, then 1x); 3x on flights booked directly with airlines or through amextravel.com; 1x on other purchases | $250 (see rates and fees) |
Hilton Honors American Express Aspire Card | 150,000 points after you spend $4,000 on purchases in your first three months. Terms apply. | 14x on eligible purchases at Hilton hotels and resorts; 7x on U.S. restaurants, car rentals booked directly with select companies and flights booked directly with airlines or through amextravel.com; 3x on all other purchases | $450 (see rates and fees) |
Marriott Bonvoy Brilliant American Express Card | Earn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership. | 6x at hotels participating in the Marriott Bonvoy program; 3x on U.S. restaurants and flights booked directly with airlines; 2x on other eligible purchases | $450 (see rates and fees) |
Delta SkyMiles Platinum American Express Card | Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 on purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership. | 3x on eligible Delta purchases and hotels booked directly; 2x at restaurants and U.S. supermarkets; 1x on all other eligible purchases | $250 (see rates and fees) |
Blue Cash Preferred Card from American Express | Earn a $300 statement credit after you spend $3,000 on purchases on your new card within the first six months. | 6% at U.S. supermarkets (on up to $6,000 per calendar year, then 1%) and select U.S. streaming subscriptions; 3% on transit and U.S. gas stations; 1% back on all other eligible purchases | $0 intro annual fee for the first year, then $95 (see rates and fees) |
The information for the Amex Green and Hilton Aspire Amex cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Amex benefit provides up to $10,000 per covered purchase and up to $50,000 in a calendar year per eligible card. Currently, most Amex cards will match manufacturer’s warranties of one year or less and extend manufacturer’s warranties of two to five years by one year. However, select no-annual-fee cards no longer offer any extended warranty coverage walmart online coupons of Jan. 1, 2020. You can see the current guide to benefits for each American Express card that offers extended warranty protection on American Express’ website.
An item is eligible for coverage if it was paid for with an eligible card or purchased through the redemption of Membership Rewards points and/or Pay with Points.
The following items aren’t covered:
- Items covered by an unconditional satisfaction guarantee.
- Items damaged through alteration or modification of any kind.
- Animals or living plants.
- One-of-a-kind items including antiques, artwork and furs or previously owned and used items (except when refurbished by the original manufacturer).
- Purchases that have a limited lifespan like food, perfume, light bulbs, batteries, etc.
- Credit cards, securities, documents and tickets, traveler’s checks and other negotiable instruments including gift certificates, gift cards, gift checks, food stamps, cash or its equivalent, notes, accounts, bills, currency, deeds, evidence of debt or intangible property and rare stamps or coins.
- Items that are rented, leased or borrowed.
- Motorized devices or motorized device parts, except for motorized devices and motorized device parts that are permanent residential or business fixtures that can be removed without damaging the structure.
- Permanent residential or business fixtures, additions or built-ins that can’t be removed without damaging the structure.
- Land or buildings.
- More than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection.
- Downloadable services, application programs, computer programs, operating software, firmware and other software of any kind.
- Items voluntarily or involuntarily discarded.
- Indirect or direct damages to any other item or property resulting from a covered event.
- Items purchased for use as resale (i.e., goods purchased as inventory for sale).
- Items purchased for professional or commercial use, including education, training or skills, or to be used in professional competition.
No coverage is provided for:
- Charges for shipping, handling, installation, assembly, professional advice, maintenance or other service fees, warranties or memberships, including costs or fees in addition to the replacement cost.
- Rebates, discounts or money from lowest-price programs.
- Any legal defense costs or expenses.
- Any request to return a covered purchase by a retailer, wholesaler or manufacturer, including product recall.
- Additional service contract, extended warranty coverage or purchased service contract for a computer, computer component or part that is bought which already comes with an original manufacturer’s warranty and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer.
- Repairs not completed at an authorized repair facility or another repair facility acceptable under the original manufacturer’s warranty or using aftermarket parts not approved by the original manufacturer’s warranty.
- Physical damage, including damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer’s warranty covers such physical damage.
- Eligible beneficiary’s participation in a felony, riot, civil disturbance, protest or insurrection.
- Items for which the combination of the original manufacturer’s warranty coverage and/or purchase service contract exceeds five years.
Related: Choosing the best American Express card for you
Comparing the best Chase credit cards for extended warranties
Card | Sign-up bonus | Earning rates | Annual fee |
Chase Sapphire Preferred Card | 60,000 points after you spend $4,000 on purchases in your first three months | 5x total points on all travel purchased through Chase Ultimate Rewards, excluding hotel purchases that qualify for the $50 anniversary credit 3x points on dining, including eligible delivery services, takeout and dining out 3x points on select streaming services 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs) 2x points on all other travel 1x point on all other purchases | $95 |
Chase Sapphire First baptist church lexington tn bonus points after you spend $4,000 on purchases in the first three months. | 10x on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit) 5x on flights purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit) 3x on travel and dining 10x on Lyft rides through March 2022 1x on other purchases | $550 | |
Chase Freedom Unlimited | $200 after you spend $500 on purchases in your first three months | 5% on travel booked through Chase 3% on dining and drugstores 1.5% on other purchases | None |
Chase Freedom Flex | $200 after you spend $500 on purchases in your first three months | 5% on select categories that rotate quarterly (activation required) and travel booked through Chase Ultimate Rewards 3% on dining and drugstores 1% on other purchases | None |
Southwest Rapid Rewards Plus Credit Card | Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first three months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months. | 2 points per dollar spent on Southwest purchases 2 points on local transit and commuting (including ride-hailing services) 2 points on internet, cable, phone services and select streaming 1 point per dollar on everything else | $69 |
United Explorer Card | Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months of account opening. | 2x on United purchases, restaurants and hotel accommodations booked directly with hotels 1x on all other purchases | $95, waived the first year |
British Airways Visa Signature Card | 100,000 Avios after you spend $5,000 on purchases in your first 3 months. | 5x on purchases with British Airways, Aer Lingus, Iberia and Level in your first 12 months, then 3x 3x on hotel accommodations when purchased directly with the hotel in your first 12 months, then 2x 1x on all other purchases | $95 |
World of Hyatt Credit Card | Up to 60,000 points:30,000 points after you spend $3,000 on purchases within your first three months. Plus, up to 30,000 more points by earning 2x on purchases that normally earn 1x, on up to $15,000 in your first six months. | 4x on Hyatt purchases 2x on local transit, commuting, dining and airline tickets purchased directly from airlines 2x on purchases that normally earn 1x, on up to $15,000 in the first 6 months of account opening 1x on all other purchases | $95 |
Most Chase cards, including but not limited to all of the cards listed above, will extend eligible U.S. manufacturer’s warranties of three years or less by one additional year. Purchases made using rewards points are also eligible for the extended warranty benefit. You’re covered up to $10,000 per claim and up to $50,000 per account.
Related: How I used Chase’s extended warranty benefit to get a new phone
The following items aren’t covered:
- Boats, automobiles, aircraft and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
- Any costs other than those specifically covered under the terms of the original manufacturer-written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
- Items purchased for resale, professional or commercial use.
- Rented or leased items.
- Computer software.
- Medical equipment.
- Used or pre-owned items (refurbished items will be covered as long as they have a warranty and would not be considered used huntington national bank address pre-owned).
Related: The best Chase credit cards of 2021
Other cards with extended warranty benefits

Visa Signature and Visa Infinite cards — such as the new Capital One Venture X Rewards Credit Card, the Capital One Venture Rewards Credit Card and the U.S. Bank Altitude Reserve Visa Infinite Card — offer extended warranty protection. Both card types will extend warranties of three years or less and will cover up to $10,000 per claim and up to $50,000 per cardholder. Visa Signature cards will match warranties of less than one year and extend warranties of one to three years by one year, while Visa Infinite cards will extend warranties of up to three years by one year. Benefits only available to accounts approved for a Visa Signature or Visa Infinite card. Terms apply.
Related: The best Visa credit cards
USAA credit cards also offer extended warranty protection that will match warranties of less than one year and extend warranties of one to three years by one additional year. You can be covered up to $15,000 per claim and up to $50,000 per account.
How to utilize credit card extended warranties
There are a few items you should save after buying something that has a manufacturer’s warranty if you’ve used a credit card that features an extended warranty benefit:
- Original store receipt.
- Credit card statement for the month showing the charge.
- Manufacturer’s warranty booklet or document.
If something you own breaks and has a manufacturer’s warranty:
- Check the manufacturer’s warranty. If the item is still covered, begin a claim with the manufacturer.
- If it’s outside the manufacturer’s warranty, check the benefits guide for the credit card that you used to make the purchase.
- Call a benefits administrator if you need to file a claim or have questions regarding the claim process or eligibility. Call before getting the item repaired in case you are required to send it to a particular repair facility.
- Collect documentation — which may consist of a repair quote, photos of the damaged item, the original receipt and the credit card statement showing the charge — and submit the claim.
If approved, you’ll usually receive a check or statement credit reimbursing you for repair costs, replacement costs or the original purchase cost. In some cases, the benefits administrator may ask you to send back the item for inspection or repair.
What isn’t covered by credit card extended warranty protection

The extended warranty benefit offered by select credit cards doesn’t cover all purchases or all types of damage. Your purchase won’t be covered if an eligible manufacturer’s warranty didn’t originally cover it. Additionally, most extended warranty benefits have maximum coverage lengths and coverage limits per item, claim or account.
Most extended warranty benefits have set exclusions. Some types of items are commonly excluded, like cars, boats, software, plants, animals, antiques and products normally hard-wired into a house. Likewise, some types of damage like power surges, accidental damage, catastrophes, wear and tear and riots are usually excluded. You can find all of the exclusions in your card’s guide to benefits.
Related guides
Additional reporting by Madison Blancaflor and Senitra Horbrook.
For rates and fees of the Amex Green Card, click here.
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Gold Card click here.
For rates and fees of the Hilton Aspire, click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Delta SkyMiles Platinum Amex, click here.
For rates and fees of the Blue Cash Preferred, click here.
Featured photo by Matthew Kane via Unsplash.
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Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
Synchrony at strategic crossroads after losing Walmart deal
After losing out on the opportunity to issue new credit cards to Walmart customers, Synchrony Financial is at a crossroads. The problem is, the Stamford, Conn.-based company does not get to decide its path forward.
Walmart announced a deal Thursday that will make Capital One Financial the exclusive issuer of its credit cards starting in August 2019.
For Synchrony, the longtime issuer of Walmart credit cards, the important question now is what will happen to its existing portfolio of approximately $10 billion in loans to the retail giant’s customers.
Under one scenario, Synchrony would sell the Walmart loans, which account for about 13% of the credit card company’s total loan receivables. In the second scenario, Synchrony would hold what is a good working capital the Walmart portfolio, and seek to convince those existing customers to switch to a credit card that has no affiliation with the discount retail chain.

The first option would free up capital, which Synchrony could use to strengthen relationships with existing synchrony bank walmart credit card contact partners such as Amazon, Gap Inc. and JCPenney, pursue new partnerships, and buy back more of its shares. The second walmart online coupons would enable the company to diversify into the broader U.S. credit card market.
During a call with analysts on Friday, Synchrony Chief Financial Officer Brian Doubles indicated that the choice is out of his company’s hands. Under a contractually defined process, the portfolio will be given a valuation, which will be used to determine a potential purchase price, he said. Then Walmart or Capital One will have the option to buy the portfolio.
Executives at Synchrony also emphasized that either of the two options will be better for the company’s earnings per share than renewing the Walmart first state bank north fort payne al would have been.
“While we are disappointed that we are not renewing our program with Walmart,” Synchrony CEO Margaret Keane said, “we are focused on either optimizing the capital freed up, if the portfolio is sold, or leveraging the benefits from retaining the portfolio.”
Synchrony shareholders appear to be skeptical. The company’s stock price has dropped by 12% since late Thursday, when reports about Walmart's new partnership with Capital One were first published.
Kevin St. Pierre, an analyst at Bernstein Research, said in a research note that Synchrony shares are “now a ‘show-me’ story,” doc holliday hat like shares in American Express were after the New York-based card issuer was jilted by the retail chain Costco in 2015. Costco cards are now issued by Citigroup.
Synchrony also has a card partnership with Sam’s Club, the Walmart-owned discount club, which expires in 2021. The credit card issuer vowed Friday to be aggressive in trying to renew that contract.
But Synchrony’s failure to extend the Walmart deal may alter investors’ perceptions about its chances of renewing other partnerships, said Sanjay Sakhrani, an analyst at Keefe, Bruyette &Woods.
“The problem going forward,” Sakhrani wrote in a research note,” is there is likely to be a discount applied to the uncertainty of renewals.”
Synchrony, which was spun off from General Electric in 2015, has been partnering with the independent merchants for many decades, and it still leans heavily on credit cards that are co-issued with retailers.
However, Synchrony has also established a small presence in the general-purpose card market. Following the bankruptcy of Toys R Us in 2017, shoppers who had Toys R Us credit cards were offered the opportunity to obtain a Synchrony card.
Doubles said Friday that roughly 50% of the credit cards it currently issues with Walmart can also be used in other stores. “So they’re kind of acting like a general-purpose card already,” he said.
“So that gives us some comfort that there is a population there that we can convert and would be very receptive to a Synchrony-branded card with a very attractive value proposition,” he added.
During the second quarter, Synchrony reported a profit of $696 million, which was up 40% from the same period a year earlier. Loan receivables rose by 5% to $79 billion, the company said Friday.
Credit quality trends were mixed. The percentage of loans that were at least 30 days delinquent fell from 4.25% during the second quarter of 2017 to 4.17% in the same period a year later, while the percentage of loans that were charged off rose from 5.42% to 5.97%.
Contact Synchrony Bank Customer Service
Synchrony Bank Phone Numbers and Emails
Toll-Free Number:
- (866) 226-5638
Savings Products, CDs and IRAs
Customer Service:
- (866) synchrony bank walmart credit card contact
General Inquiries, FAQs and other helpful items
- (866) 226-5638
Savings Products, CDs and IRAs
Accessibility:
- (855) 875-1850
Login, User IDs, Password Resets, Registration Assistance, or Website and Navigation
Carecredit:
- (866) 893-7864
Manage Your Account
- (800) 677-0718
Open an Account
Credit Cards:
- (866) 396-8254
CC Partner: ABC Warehouse, American Signature Furniture, Art Van Furniture, US Appliance etc
- (877) 317-5544
CC Partner: ABT Electronics
- (866) 634-8379
CC Partner: Amazon
- (800) 843-0875
CC Partner: American Eagle Outfitters
- (877) 222-6868
CC Partner: Old Navy
- (855) 520-0991
CC Partner: PayPal
- (877) 490-1787
CC Partner: QVC
- (855) 697-4555
CC Partner: Rakuten
- (800) 964-1917
CC Partner: Sam's Club
- (800) 250-5411
CC Partner: Sleep Number
- (844) 335-5909
CC Partner: Synchrony Home
- (866) 657-0376
CC Partner: Tire Discounters, Synchrony Car Care
- (877) 294-7880
CC Partner: Walmart
Investors/ Franchasing:
- (855) 818-3056
Equity Investors
- (855) 821-4534
Fixed Income Investors
- (866) 247-1651
Shareowner Account Matters
- (203) 585-6508
Media:
- (203) 585-6143
Media Relations
Small-Medium Sized Businesses:
- (800) 333-1082
Existing Partners
- (800) 859-9975
Healthcare Providers (Existing Partners)
- (800) 300-3046
Healthcare Providers (Prospective Partners)
- (866) 838-0655
Prospective Partners
Synchrony Bank Emails:
Equity Investors, Fixed Income Investors
More phone numbers and emailsLess phone numbers and emails
Synchrony Bank Contact Information
Synchrony Bank Online Chat:
Corporate Office Address:
Synchrony Bank
200 Crossing Blvd Suite 101
Bridgewater,New Jersey08807
United States
Other Info (opening hours):
Mailing Address for Savings, CDs and IRAs:
Synchrony Bank
P.O. Box 105972
Atlanta, GA 30348-5972
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- “Pay my bill”
- “Bill”
- “Late payment”
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- “Can't log in”
- “Error in rooms to go account”
- first national bank of alaska stock “Balance on car account”
Cards Question:
- “Credit card stolen”
- “Help with reissue of new verizon credit card”
- “Zulily credit card”
Request for Information Question:
- commonwealth financial network stock “To find out how much I have to spend I just made a payment”
- “Looking for my replacement card” chase credit card services southwest
- “Check on credit card”
Product/ Service Question:
- “To see if I can get a loan to buy equipment trailer”
- “Loan”
- “None of your phone numbers are working”
Employment Question:
- first bank and trust of murphysboro “Pay off loan”
- synchrony bank walmart credit card contact “Payoff balance”
- “My pay synchrony bank walmart credit card contact
Website/ Application Question:
- synchrony bank walmart credit card contact “Credit application”
- “Credit application status” may 1st 2017 day
- “Suspicious emails regarding an application”
Activation/ Cancellation Question:
- “You are canceling my credit card”
- “Because Amazon is charging me for Amazon prime and I do not have it I canceled that account out a couple months ago”
- “Want to cancel old navy credit card” hotels near university at buffalo
Return/ Replace Question:
- “Change address”
- “My TIN is my SSN.Do I need to return W9” bank teller jobs near me hiring synchrony bank walmart credit card contact
- “Need to change a number on my sams club card”
Shipping and Delivery Question:
- “Did not receive my MasterCard”
- “Tarjeta de crédito care credit”
- “Tarjeta de amazon prime” bangor daily news obituary archives
Staff Question:
- “Customer service”
- “I have attempted to use my car to pay for medical services and was declined”
Refund Question:
- thank you letter for face to face interview food festival houston “Reissue a refund check”
- “Refund”
- “I'm not getting my refund I would like a complete breakdown mailed to me from synchrony bank not Amazon”
Other Question:
- “Pay”
- “Dental implants”
- “Hablar con un representanye”
About
Incorporated into this Online Usage Agreement by reference are: (i) all other policies described in the Site; (ii) the terms and conditions which govern the Products; (iii) all additional restrictions displayed on the Site, as this Agreement may be updated from time to time by the Bank; and (iv) the Online Privacy Statement applicable to this Site. This Agreement governs The User's use of the Site and the various services provided therein. BY USING THIS SITE, THE USER OF COMPANY SERVICES AGREE TO THE TERMS OF THE AGREEMENT JUST AS IF THE CUSTOMER HAD SIGNED IT. IF THE USER DO NOT AGREE TO ABIDE BY THE AGREEMENT, DO NOT USE THE SITE OR ACCESS MATERIALS FROM THE SITE. This Agreement applies exclusively to The User's access to and use of the Site and does not alter the terms or conditions of any other agreement The Client of Synchrony Bank may have with Bank, including any Product agreement.
To read more: https://www.synchronybank.com/terms/
Synchrony Bank is committed to protecting The User's privacy at all times. Please read this Online Privacy Policy (the "Policy") carefully before using the Synchrony Bank ("Bank") website or mobile application (the "Site"). The Bank, a federal savings bank headquartered in Utah, is the owner of the Site, although software, hosting and other functions and content may be provided by the Bank's service providers, affiliates or business partners. The Bank does not knowingly solicit information from, and does not knowingly market any products or services to, minors or non-U.S. residents. This Policy applies solely to information that visitors provide through this Site. This Policy does not apply to other data Synchrony Bank collect, including data collected on other websites or mobile applications, such as separate websites or mobile applications operated by Company's affiliates or business partners, or information visitors may provide to www.synchronybank.com through unsolicited email or other means.
To read more: https://www.synchronybank.com/privacy/
To read more: https://www.synchronybank.com/banking-resources/faq/
Customer Care, Banking Service, Mast service center bremen indiana Top Synchrony Bank Products
Credit Card, Account, Tjx Rewards Credit Card
Pros: Disgusted, No pros, Noihing, Answered the phone, There are no pros to synchrony bank
Cons: commercial dehumidifier rental near me Poor customer service, Unethical, Company has no incentive to act like customers matter, Unhappy, Insufficient explanations
General Electric, CareCredit, Ge Money Bank, Ge Capital, Synchrony Financial
Synchrony Bank is a federal savings bank. The company was founded in August 1988 as GE Capital Retail Bank. Its headquarters is based in Draper, Utah, USA. Synchrony Bank is a subsidiary of Synchrony Financial. The company specializes in banking products and services. It offers CDs, money markets, and savings accounts. Users who are over 18 years old can open a bank account and use its services. Customers can view accounts, complete transfers, and deposit checks on tablets or smart phones using mobile banking option. Synchrony Bank has America’s Best Rates by MoneyRates.com and Summit Marketing Effectiveness awards. Synchrony Bank is a member of the Federal Deposit Insurance Corporation.

Synchrony Bank is ranked 178 out of 778 in Banks category
USA, UK, Asia, Worldwide
Compare Synchrony Bank To
Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.
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We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and nk jemisin the fifth season. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% tiaa cref org email back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.
To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject synchrony bank walmart credit card contact IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).
5. Certain restrictions apply to each benefit. Details accompany new account materials.
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.
8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Downtown san jose stores Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.
"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Google, Google Pay and the Google Logo are trademarks of Google LLC.
©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.
© 2021 The Kiplinger Washington Editors. Used under License.
Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Synchrony bank walmart credit card contact -
Contact Synchrony Bank Customer Service
Synchrony Bank Phone Numbers and Emails
Toll-Free Number:
- (866) 226-5638
Savings Products, CDs and IRAs
Customer Service:
- (866) 419-4096
General Inquiries, FAQs and other helpful items
- (866) 226-5638
Savings Products, CDs and IRAs
Accessibility:
- (855) 875-1850
Login, User IDs, Password Resets, Registration Assistance, or Website and Navigation
Carecredit:
- (866) 893-7864
Manage Your Account
- (800) 677-0718
Open an Account
Credit Cards:
- (866) 396-8254
CC Partner: ABC Warehouse, American Signature Furniture, Art Van Furniture, US Appliance etc
- (877) 317-5544
CC Partner: ABT Electronics
- (866) 634-8379
CC Partner: Amazon
- (800) 843-0875
CC Partner: American Eagle Outfitters
- (877) 222-6868
CC Partner: Old Navy
- (855) 520-0991
CC Partner: PayPal
- (877) 490-1787
CC Partner: QVC
- (855) 697-4555
CC Partner: Rakuten
- (800) 964-1917
CC Partner: Sam's Club
- (800) 250-5411
CC Partner: Sleep Number
- (844) 335-5909
CC Partner: Synchrony Home
- (866) 657-0376
CC Partner: Tire Discounters, Synchrony Car Care
- (877) 294-7880
CC Partner: Walmart
Investors/ Franchasing:
- (855) 818-3056
Equity Investors
- (855) 821-4534
Fixed Income Investors
- (866) 247-1651
Shareowner Account Matters
- (203) 585-6508
Media:
- (203) 585-6143
Media Relations
Small-Medium Sized Businesses:
- (800) 333-1082
Existing Partners
- (800) 859-9975
Healthcare Providers (Existing Partners)
- (800) 300-3046
Healthcare Providers (Prospective Partners)
- (866) 838-0655
Prospective Partners
Synchrony Bank Emails:
Equity Investors, Fixed Income Investors
More phone numbers and emailsLess phone numbers and emails
Synchrony Bank Contact Information
Synchrony Bank Online Chat:
Corporate Office Address:
Synchrony Bank
200 Crossing Blvd Suite 101
Bridgewater,New Jersey08807
United States
Other Info (opening hours):
Mailing Address for Savings, CDs and IRAs:
Synchrony Bank
P.O. Box 105972
Atlanta, GA 30348-5972
Edit Business Info
Synchrony Bank Rating Based on 644 Reviews
Rating details
Product or Service Quality
Rating Details
Product or Service Quality
Diversity of Products or Services
Discounts and Special Offers
Close
All 986 Synchrony Bank reviews
Summary of Synchrony Bank Customer Service Calls
4.8K TOTAL
CALLS
04:08 AVG CALL
DURATION
18% ISSUES
RESOLVED
Top Reasons of Customers Calls
Consumers Call the Most From
Why Do People Call Synchrony Bank Customer Service?
Payments and Charges Question:
- “Pay my bill”
- “Bill”
- “Late payment”
Account Question:
- “Can't log in”
- “Error in rooms to go account”
- “Balance on car account”
Cards Question:
- “Credit card stolen”
- “Help with reissue of new verizon credit card”
- “Zulily credit card”
Request for Information Question:
- “To find out how much I have to spend I just made a payment”
- “Looking for my replacement card”
- “Check on credit card”
Product/ Service Question:
- “To see if I can get a loan to buy equipment trailer”
- “Loan”
- “None of your phone numbers are working”
Employment Question:
- “Pay off loan”
- “Payoff balance”
- “My pay off”
Website/ Application Question:
- “Credit application”
- “Credit application status”
- “Suspicious emails regarding an application”
Activation/ Cancellation Question:
- “You are canceling my credit card”
- “Because Amazon is charging me for Amazon prime and I do not have it I canceled that account out a couple months ago”
- “Want to cancel old navy credit card”
Return/ Replace Question:
- “Change address”
- “My TIN is my SSN.Do I need to return W9”
- “Need to change a number on my sams club card”
Shipping and Delivery Question:
- “Did not receive my MasterCard”
- “Tarjeta de crédito care credit”
- “Tarjeta de amazon prime”
Staff Question:
- “Customer service”
- “I have attempted to use my car to pay for medical services and was declined”
Refund Question:
- “Reissue a refund check”
- “Refund”
- “I'm not getting my refund I would like a complete breakdown mailed to me from synchrony bank not Amazon”
Other Question:
- “Pay”
- “Dental implants”
- “Hablar con un representanye”
About
Incorporated into this Online Usage Agreement by reference are: (i) all other policies described in the Site; (ii) the terms and conditions which govern the Products; (iii) all additional restrictions displayed on the Site, as this Agreement may be updated from time to time by the Bank; and (iv) the Online Privacy Statement applicable to this Site. This Agreement governs The User's use of the Site and the various services provided therein. BY USING THIS SITE, THE USER OF COMPANY SERVICES AGREE TO THE TERMS OF THE AGREEMENT JUST AS IF THE CUSTOMER HAD SIGNED IT. IF THE USER DO NOT AGREE TO ABIDE BY THE AGREEMENT, DO NOT USE THE SITE OR ACCESS MATERIALS FROM THE SITE. This Agreement applies exclusively to The User's access to and use of the Site and does not alter the terms or conditions of any other agreement The Client of Synchrony Bank may have with Bank, including any Product agreement.
To read more: https://www.synchronybank.com/terms/
Synchrony Bank is committed to protecting The User's privacy at all times. Please read this Online Privacy Policy (the "Policy") carefully before using the Synchrony Bank ("Bank") website or mobile application (the "Site"). The Bank, a federal savings bank headquartered in Utah, is the owner of the Site, although software, hosting and other functions and content may be provided by the Bank's service providers, affiliates or business partners. The Bank does not knowingly solicit information from, and does not knowingly market any products or services to, minors or non-U.S. residents. This Policy applies solely to information that visitors provide through this Site. This Policy does not apply to other data Synchrony Bank collect, including data collected on other websites or mobile applications, such as separate websites or mobile applications operated by Company's affiliates or business partners, or information visitors may provide to www.synchronybank.com through unsolicited email or other means.
To read more: https://www.synchronybank.com/privacy/
To read more: https://www.synchronybank.com/banking-resources/faq/
Customer Care, Banking Service, Loan
Credit Card, Account, Tjx Rewards Credit Card
Pros: Disgusted, No pros, Noihing, Answered the phone, There are no pros to synchrony bank
Cons: Poor customer service, Unethical, Company has no incentive to act like customers matter, Unhappy, Insufficient explanations
General Electric, CareCredit, Ge Money Bank, Ge Capital, Synchrony Financial
Synchrony Bank is a federal savings bank. The company was founded in August 1988 as GE Capital Retail Bank. Its headquarters is based in Draper, Utah, USA. Synchrony Bank is a subsidiary of Synchrony Financial. The company specializes in banking products and services. It offers CDs, money markets, and savings accounts. Users who are over 18 years old can open a bank account and use its services. Customers can view accounts, complete transfers, and deposit checks on tablets or smart phones using mobile banking option. Synchrony Bank has America’s Best Rates by MoneyRates.com and Summit Marketing Effectiveness awards. Synchrony Bank is a member of the Federal Deposit Insurance Corporation.

Synchrony Bank is ranked 178 out of 778 in Banks category
USA, UK, Asia, Worldwide
Compare Synchrony Bank To
Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.
Resolving Debt with Synchrony Bank
Many branded store, and specialty credit cards, are serviced by Synchrony Bank. If you are wondering whether you card is serviced by Synchrony, I provide a list of known businesses that use them below.
As you can see, Synchrony is not just about its flagship relationships like Amazon, and Care Credit. They do a ton of financing with fuel stations, and other auto related purchases we all need, as well as major clothing stores like Old Navy, American Eagle, and many others.
There are other credit card servicing platforms for large and small retailers, like Comenity Bank, but Synchrony is the largest. They have millions of customers.
Can’t Make Payments on a Synchrony Credit Card?

If you miss a payment to Synchrony, they are likely going to charge a late fee. If your situation is such that you can get the payment and fee to them prior to your next billing cycle, you can avoid being reported as 30 days late on your credit reports.
If you are dealing with something more than a one month financial hiccup, you may want to call Synchrony, after already being late, and ask about any hardship repayment program they may offer to you. But be sure you are confident you can follow through with any reduced payment Synchrony offers on a continuing basis.
If your situation is one that causes you to miss more than one payment, or you have too many accounts that you are juggling, it may be time to seek out a more permanent solution.
Getting Help with Synchrony Debt
You may have passed the point where temporary relief, or Synchrony waiving a late fee, is going to be helpful. This is often the case when you do not have enough income to meet all your bills each month. When this happens, you are typically looking at the following 3 mainstream methods for getting debt relief.
- Enroll in a consumer credit counseling program and get all of your credit card debts under control. Review that link for a complete understanding of how credit counseling can help you. The gist is that your interest rates are reduced through agreements the counseling agency has with Synchrony and your other lenders.
- Be late enough with payments to Synchrony in order for them to settle with you for less than what you owe. I often target Synchrony settlements at 40% of the balance owed (there are reasons to aim lower, or accept higher). You can sometimes split that up into 3 months if your account has not been charged off. And you will often find you are dealing with debt collection agencies and debt buyers the longer your account has gone unpaid.
- You could file chapter 7 bankruptcy and wipe out all unsecured debts. Be sure to review your situation with an experienced bankruptcy attorney. There are income and asset considerations for each state that can vary, and prevent you from filing.
Anything but paying Synchrony on time, all the time, is going to have an impact to your credit score, or your ability to access new credit products and loans. Be sure to review this article about how debt relief hurts your credit before you make any assumptions. The truth may surprise you.
Things may not be simple
There is usually more to think about when your settling debts with Synchrony. Most of us have more than one debt we are struggling to keep current, and Synchrony balances may be the lowest on our list. In fact, the smaller the balance (less than $1500), I will often discourage falling behind if it can be avoided.
It is also important to point out that Synchrony is one of the few lenders that will refuse to send you a written agreement, or settlement letter, outlining what you negotiated with them over the phone, until your payments are set up in the system. I typically encourage you to record the phone call where you are covering all that you are agreeing to with them. Use an old-school tape recorder on speaker phone, or download one of the free apps. Be sure to tell them you are recording that portion of the call and why (they will not release a letter). Hold that recording until your letter arrives (they do send them).
Check out this video where I cover negotiating with Synchrony in more detail:
Be sure to reach out via the get help button if you want to talk through your options with someone. I can often answer basic questions via email, and you have the option of scheduling a 15-minute free call.
Here are the more common retailers and services that provide credit cards through Synchrony. Not all of these accounts will settle the same way, or for the same amount, but most do.
- 76 Gas
- AAMCO
- ABC Warehouse
- Abt Electronics
- Amazon
- America’s Tire Store
- American Eagle Outfitters
- American Signature Furniture
- Ariens and Gravely Get the Gear
- Art Van
- Ashley Furniture HomeStore
- Athleta
- Banana Republic
- Bargain Outlet
- Belk
- Bernina
- Big Sandy Superstore
- Bjorn’s
- Bomgaars
- Boris Home Furnishings
- BP Visa
- Briggs & Stratton
- Brooks Brothers MC
- Car Care One
- Care Credit
- Carpet One
- CheapOair / One Travel
- Chevron / Texaco Visa
- CITGO
- City Furniture
- Conoco
- Dick’s Sporting Goods MC
- Dillard’s Amex
- Discount Tire
- Dream Bed
- Drexel Heritage
- DX Engineering
- Ebates Visa
- Ebay MC / Paypal MC
- Electronics Express
- Ethan Allen
- eXmark
- Field & Stream
- Flooring America
- Freedom to Ride
- GAP
- Goldsmith Store
- Golf Galaxy
- Google Store
- Guitar Center
- Haverty’s
- HH Gregg
- Hudson’s Furniture
- Husqvarna
- Hyde Park Jewelers
- JCPenney
- Jewelry Exchange
- Kauffman Tire
- Kraft Music
- La-Z-Boy
- Lee Michaels
- LensCrafters
- Levin Furniture
- Living Spaces
- Loves
- Lowe’s
- Lumber Liquidators
- Maaco
- Marvel
- Massey Ferguson
- Mattress Firm
- McCoy’s Building Supply
- Meineke
- Men’s Warehouse
- Metro Mattress
- Midas
- Mills Fleet Farm
- Mohawk Flooring
- Musician’s Friend
- Napa EasyPay
- Nautilus
- Newell
- Old Navy
- Olejo
- C. Richard & Son
- Pearle Vision
- Pep Boys
- Phillips 66
- QVC
- Raheem
- Reeds Jewelers
- Regency Furniture
- Rooms To Go
- Sam Ash
- Sam’s Club MC
- Sewing and More
- Shaw Floors
- Shaw Floors
- Shelly’s Furniture
- Sleep Experts
- Sleep Number
- Sleep Train
- Sleepy’s
- Sony Store
- Specialized
- Star Lumber
- Stash Hotel Rewards
- Stein Mart MC
- Summit Racing Equipment
- Sunglass Hut
- Sutherlands
- Sweet water
- System Pavers
- Thomasville
- Tire Pros
- TJ Maxx
- TJX Rewards MC
- Toro
- Toys R Us MC
- US Appliance
- Value City Furniture
- Value City Furniture
- Vine Live / Shop HQ
- Walmart MC
- Westrich Furniture & Appliances
Remember, Synchrony is one of the largest sellers of unpaid debt to companies like Portfolio Recovery Associates, Midland Funding, and Cavalry Portfolio. It is often more ideal to get affordable help to settle when you are dealing with debt buyers. The help can end up paying for itself.
Filed Under: credit counseling service, debt settlement
Источник: https://consumerrecoverynetwork.com/resolving-debt-synchrony-bank/Synchrony Financial
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut. Their financial products include credit, promotional financing and loyalty programs, installment lending, and FDIC insured savings products through Synchrony Bank, its wholly owned subsidiary.
777 Long Ridge Road
Stamford, CT 06902
https://www.synchronyfinancial.com/
Phone Contacts
Main: (203) 585-6730
Customer Service: (866) 419-4096
Email Contacts
[email protected]
[email protected]
[email protected]
Customer Service Resources
Contact Page
Complaint Form
FAQ
Social Media Contacts
Facebook
Twitter
Executive Contacts
Primary Contact
Anika Green Watson
VP, Complaints Executive Inquiry Response Leader
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Secondary Contact
Carrie Moran
Corporate Consumer Relations
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Michael Bopp
Executive Vice President & Chief Customer Engagement Officer
777 Long Ridge Road
Stamford, CT 06902
[email protected]
Steve Min, executive vice president and chief credit officer, [email protected]
Tom Quindlen, executive vice president and CEO, Retail Card, [email protected]
Kurt Grossheim, chief operating officer, [email protected]
Chief Executive
Margaret Keane
Chief Executive Officer
777 Long Ridge Road
Stamford, CT 06902
[email protected]
[email protected]
Last updated: November 5, 2020.
Best credit cards for extended warranties
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
Editor’s note: This is a recurring post, regularly updated with new information.
When you make a purchase, it’s helpful to have the peace of mind of warranty protection from the manufacturer — especially if it’s an expensive item. But if your item breaks or is damaged after the warranty has ended, you may think you’re out of luck. The good news is if you put your purchase on a credit card with extended warranty protection, you may still be able to receive reimbursement for repair or replacement costs, or even have the original purchase cost reimbursed. That’s something to remember now, in particular, as we head into the holiday shopping frenzy.
This guide describes how to utilize the extended warranty benefit offered by select credit cards as well as lists some of the best cards that offer extended warranty protection. Consider using one of them for your holiday purchases to ensure that the recipient is protected against the unexpected and can use the gift you give them well into the future.
The best extended warranty cards of 2021
The information for the Amex Green, U.S. Bank Altitude Reserve, Citi AAdvantage Platinum Select and Hilton Aspire cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
In This Post
What is a credit card extended warranty?
The extended warranty protection offered by select credit cards effectively extends the manufacturer’s warranty on eligible products purchased with the card. This protection mirrors the protection provided by the original manufacturer’s warranty, so damage that would have been covered by the original warranty will be covered by the extended warranty.
Credit card extended warranty coverage varies. Some match the original warranty up to a particular period of time. Others add a set amount of time to the end of the original warranty. However, there are usually exclusions and maximum coverage limits. Note that extended warranty protection covers a wide variety of items, whereas the cellphone protection offered by select credit cards only covers cellphones.
Related: Filing an extended warranty claim — reader success story
Comparing the best credit cards for extended warranties
Issuer, bank or network | Extension period | Maximum coverage | Maximum length of initial warranty |
Citi | 2 years | $10,000 per item | 5 years |
American Express | 1 year | $10,000 per item, $50,000 per account per year | 5 years |
Chase | 1 year | $10,000 per claim, $50,000 per account | 3 years |
Visa Signature | Match up to 1 year | $10,000 per claim, $50,000 per cardholder | 3 years |
Visa Infinite | 1 year | $10,000 per claim, $50,000 per cardholder | 3 years |
USAA | Match up to 1 year | $15,000 per claim, $50,000 per account | 3 years |
It’s important to note that only certain cards offered by these issuers or banks offer extended warranty protection.
The following sections describe some of the best consumer cards from these issuers that offer extended warranty protection.
Other cards not mentioned here also offer extended warranty protection, so you don’t assume that a card doesn’t offer this benefit simply because it is not listed in this guide. Check your card’s guide to benefits for details.
Related: The ultimate guide to credit card application restrictions
Comparing the best Citi credit cards for extended warranties
Card | Sign-up bonus | Earning rates | Annual fee |
Citi Premier® Card | 80,000 bonus points after you spend $4,000 on purchases within the first three months of account opening. | 3x ThankYou points on air travel, hotels, gas stations, restaurants and supermarkets; 1x on all other purchases | $95 |
Citi / AAdvantage Platinum Select World Elite Mastercard | 50,000 miles after you spend $2,500 on purchases within three months of account opening | 2x on eligible American Airlines purchases, restaurants and gas stations; 1x on all other purchases | $99 (waived for the first year) |
American Airlines AAdvantage MileUp Card | 10,000 miles and a $50 statement credit after you spend $500 on purchases within three months of account opening | 2x on grocery stores and eligible American Airlines purchases; 1x on all other purchases | None |
AT&T Access Card from Citi | 10,000 points after you spend $1,000 on purchases within three months of account opening | 2x on eligible retail and travel websites; 2x on products and services purchased directly from AT&T; 1x on all other purchases | None |
The information for the Citi AAdvantage Platinum Select and the AT&T Access cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Back in 2019, Citi removed many benefits from its cards to the dismay of many. However, the Citi cards described in the above table still offer an extended warranty benefit. This benefit extends the manufacturer’s warranty by two years, with total coverage not exceeding seven years from the purchase date.
Citi doesn’t have a minimum manufacturer’s warranty required for coverage, so a one-month manufacturer’s warranty would still be extended by two years on covered items. If you purchase an extended warranty, Citi’s coverage begins at the expiration of that warranty. To be eligible for coverage, you must have paid for either all or part of the item with your Citi card and/or ThankYou points.
Citi’s extended warranty coverage doesn’t apply to:
- Boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment (tires aren’t covered, either).
- Services, unless covered under the manufacturer’s warranty.
- Used, antique or pre-owned items.
- Items purchased for resale, professional or commercial use.
- Land or buildings; housing properties.
- Plants and live animals.
- Items that don’t come with a manufacturer’s warranty.
Additionally, Citi’s extended warranty coverage doesn’t apply when:
- You fail to care for or service the item appropriately as required by the manufacturer.
- The item has a product defect, recall or experiences normal wear and tear where no failure has occurred.
- The item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.
Related: The best Citi credit cards
Comparing the best American Express cards for extended warranties
Card | Welcome bonus | Earning rates | Annual fee |
American Express Green Card | 30,000 points after you spend $2,000 on purchases in your first three months. Terms apply. | 3x on travel, transit and restaurants; 1x on all other purchases | $150 (see rates and fees) |
The Platinum Card from American Express | Earn 100,000 bonus points after you spend $6,000 on purchases on the card in the first six months of card membership. | 5x on flights booked directly with airlines or through Amex Travel (on up to $500,000 per calendar year) and prepaid hotels booked with American Express Travel. Plus, earn 10x points on eligible purchases on the card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during the first six months of card membership. 1x on other purchases | $695 (see rates and fees) |
American Express Gold Card | 60,000 points after you spend $4,000 on purchases in your first six months. Terms apply. | 4x at restaurants and U.S. supermarkets (on up to $25,000 per calendar year, then 1x); 3x on flights booked directly with airlines or through amextravel.com; 1x on other purchases | $250 (see rates and fees) |
Hilton Honors American Express Aspire Card | 150,000 points after you spend $4,000 on purchases in your first three months. Terms apply. | 14x on eligible purchases at Hilton hotels and resorts; 7x on U.S. restaurants, car rentals booked directly with select companies and flights booked directly with airlines or through amextravel.com; 3x on all other purchases | $450 (see rates and fees) |
Marriott Bonvoy Brilliant American Express Card | Earn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership. | 6x at hotels participating in the Marriott Bonvoy program; 3x on U.S. restaurants and flights booked directly with airlines; 2x on other eligible purchases | $450 (see rates and fees) |
Delta SkyMiles Platinum American Express Card | Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 on purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership. | 3x on eligible Delta purchases and hotels booked directly; 2x at restaurants and U.S. supermarkets; 1x on all other eligible purchases | $250 (see rates and fees) |
Blue Cash Preferred Card from American Express | Earn a $300 statement credit after you spend $3,000 on purchases on your new card within the first six months. | 6% at U.S. supermarkets (on up to $6,000 per calendar year, then 1%) and select U.S. streaming subscriptions; 3% on transit and U.S. gas stations; 1% back on all other eligible purchases | $0 intro annual fee for the first year, then $95 (see rates and fees) |
The information for the Amex Green and Hilton Aspire Amex cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Amex benefit provides up to $10,000 per covered purchase and up to $50,000 in a calendar year per eligible card. Currently, most Amex cards will match manufacturer’s warranties of one year or less and extend manufacturer’s warranties of two to five years by one year. However, select no-annual-fee cards no longer offer any extended warranty coverage as of Jan. 1, 2020. You can see the current guide to benefits for each American Express card that offers extended warranty protection on American Express’ website.
An item is eligible for coverage if it was paid for with an eligible card or purchased through the redemption of Membership Rewards points and/or Pay with Points.
The following items aren’t covered:
- Items covered by an unconditional satisfaction guarantee.
- Items damaged through alteration or modification of any kind.
- Animals or living plants.
- One-of-a-kind items including antiques, artwork and furs or previously owned and used items (except when refurbished by the original manufacturer).
- Purchases that have a limited lifespan like food, perfume, light bulbs, batteries, etc.
- Credit cards, securities, documents and tickets, traveler’s checks and other negotiable instruments including gift certificates, gift cards, gift checks, food stamps, cash or its equivalent, notes, accounts, bills, currency, deeds, evidence of debt or intangible property and rare stamps or coins.
- Items that are rented, leased or borrowed.
- Motorized devices or motorized device parts, except for motorized devices and motorized device parts that are permanent residential or business fixtures that can be removed without damaging the structure.
- Permanent residential or business fixtures, additions or built-ins that can’t be removed without damaging the structure.
- Land or buildings.
- More than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection.
- Downloadable services, application programs, computer programs, operating software, firmware and other software of any kind.
- Items voluntarily or involuntarily discarded.
- Indirect or direct damages to any other item or property resulting from a covered event.
- Items purchased for use as resale (i.e., goods purchased as inventory for sale).
- Items purchased for professional or commercial use, including education, training or skills, or to be used in professional competition.
No coverage is provided for:
- Charges for shipping, handling, installation, assembly, professional advice, maintenance or other service fees, warranties or memberships, including costs or fees in addition to the replacement cost.
- Rebates, discounts or money from lowest-price programs.
- Any legal defense costs or expenses.
- Any request to return a covered purchase by a retailer, wholesaler or manufacturer, including product recall.
- Additional service contract, extended warranty coverage or purchased service contract for a computer, computer component or part that is bought which already comes with an original manufacturer’s warranty and/or retailer’s warranty, unless such coverage is provided and administered by the original manufacturer.
- Repairs not completed at an authorized repair facility or another repair facility acceptable under the original manufacturer’s warranty or using aftermarket parts not approved by the original manufacturer’s warranty.
- Physical damage, including damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer’s warranty covers such physical damage.
- Eligible beneficiary’s participation in a felony, riot, civil disturbance, protest or insurrection.
- Items for which the combination of the original manufacturer’s warranty coverage and/or purchase service contract exceeds five years.
Related: Choosing the best American Express card for you
Comparing the best Chase credit cards for extended warranties
Card | Sign-up bonus | Earning rates | Annual fee |
Chase Sapphire Preferred Card | 60,000 points after you spend $4,000 on purchases in your first three months | 5x total points on all travel purchased through Chase Ultimate Rewards, excluding hotel purchases that qualify for the $50 anniversary credit 3x points on dining, including eligible delivery services, takeout and dining out 3x points on select streaming services 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs) 2x points on all other travel 1x point on all other purchases | $95 |
Chase Sapphire Reserve | 50,000 bonus points after you spend $4,000 on purchases in the first three months. | 10x on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit) 5x on flights purchased through Chase Ultimate Rewards (excluding the $300 annual travel credit) 3x on travel and dining 10x on Lyft rides through March 2022 1x on other purchases | $550 |
Chase Freedom Unlimited | $200 after you spend $500 on purchases in your first three months | 5% on travel booked through Chase 3% on dining and drugstores 1.5% on other purchases | None |
Chase Freedom Flex | $200 after you spend $500 on purchases in your first three months | 5% on select categories that rotate quarterly (activation required) and travel booked through Chase Ultimate Rewards 3% on dining and drugstores 1% on other purchases | None |
Southwest Rapid Rewards Plus Credit Card | Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first three months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months. | 2 points per dollar spent on Southwest purchases 2 points on local transit and commuting (including ride-hailing services) 2 points on internet, cable, phone services and select streaming 1 point per dollar on everything else | $69 |
United Explorer Card | Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months of account opening. | 2x on United purchases, restaurants and hotel accommodations booked directly with hotels 1x on all other purchases | $95, waived the first year |
British Airways Visa Signature Card | 100,000 Avios after you spend $5,000 on purchases in your first 3 months. | 5x on purchases with British Airways, Aer Lingus, Iberia and Level in your first 12 months, then 3x 3x on hotel accommodations when purchased directly with the hotel in your first 12 months, then 2x 1x on all other purchases | $95 |
World of Hyatt Credit Card | Up to 60,000 points:30,000 points after you spend $3,000 on purchases within your first three months. Plus, up to 30,000 more points by earning 2x on purchases that normally earn 1x, on up to $15,000 in your first six months. | 4x on Hyatt purchases 2x on local transit, commuting, dining and airline tickets purchased directly from airlines 2x on purchases that normally earn 1x, on up to $15,000 in the first 6 months of account opening 1x on all other purchases | $95 |
Most Chase cards, including but not limited to all of the cards listed above, will extend eligible U.S. manufacturer’s warranties of three years or less by one additional year. Purchases made using rewards points are also eligible for the extended warranty benefit. You’re covered up to $10,000 per claim and up to $50,000 per account.
Related: How I used Chase’s extended warranty benefit to get a new phone
The following items aren’t covered:
- Boats, automobiles, aircraft and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle.
- Any costs other than those specifically covered under the terms of the original manufacturer-written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty.
- Items purchased for resale, professional or commercial use.
- Rented or leased items.
- Computer software.
- Medical equipment.
- Used or pre-owned items (refurbished items will be covered as long as they have a warranty and would not be considered used or pre-owned).
Related: The best Chase credit cards of 2021
Other cards with extended warranty benefits

Visa Signature and Visa Infinite cards — such as the new Capital One Venture X Rewards Credit Card, the Capital One Venture Rewards Credit Card and the U.S. Bank Altitude Reserve Visa Infinite Card — offer extended warranty protection. Both card types will extend warranties of three years or less and will cover up to $10,000 per claim and up to $50,000 per cardholder. Visa Signature cards will match warranties of less than one year and extend warranties of one to three years by one year, while Visa Infinite cards will extend warranties of up to three years by one year. Benefits only available to accounts approved for a Visa Signature or Visa Infinite card. Terms apply.
Related: The best Visa credit cards
USAA credit cards also offer extended warranty protection that will match warranties of less than one year and extend warranties of one to three years by one additional year. You can be covered up to $15,000 per claim and up to $50,000 per account.
How to utilize credit card extended warranties
There are a few items you should save after buying something that has a manufacturer’s warranty if you’ve used a credit card that features an extended warranty benefit:
- Original store receipt.
- Credit card statement for the month showing the charge.
- Manufacturer’s warranty booklet or document.
If something you own breaks and has a manufacturer’s warranty:
- Check the manufacturer’s warranty. If the item is still covered, begin a claim with the manufacturer.
- If it’s outside the manufacturer’s warranty, check the benefits guide for the credit card that you used to make the purchase.
- Call a benefits administrator if you need to file a claim or have questions regarding the claim process or eligibility. Call before getting the item repaired in case you are required to send it to a particular repair facility.
- Collect documentation — which may consist of a repair quote, photos of the damaged item, the original receipt and the credit card statement showing the charge — and submit the claim.
If approved, you’ll usually receive a check or statement credit reimbursing you for repair costs, replacement costs or the original purchase cost. In some cases, the benefits administrator may ask you to send back the item for inspection or repair.
What isn’t covered by credit card extended warranty protection

The extended warranty benefit offered by select credit cards doesn’t cover all purchases or all types of damage. Your purchase won’t be covered if an eligible manufacturer’s warranty didn’t originally cover it. Additionally, most extended warranty benefits have maximum coverage lengths and coverage limits per item, claim or account.
Most extended warranty benefits have set exclusions. Some types of items are commonly excluded, like cars, boats, software, plants, animals, antiques and products normally hard-wired into a house. Likewise, some types of damage like power surges, accidental damage, catastrophes, wear and tear and riots are usually excluded. You can find all of the exclusions in your card’s guide to benefits.
Related guides
Additional reporting by Madison Blancaflor and Senitra Horbrook.
For rates and fees of the Amex Green Card, click here.
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Gold Card click here.
For rates and fees of the Hilton Aspire, click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Delta SkyMiles Platinum Amex, click here.
For rates and fees of the Blue Cash Preferred, click here.
Featured photo by Matthew Kane via Unsplash.
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With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
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- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
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Synchrony at strategic crossroads after losing Walmart deal
After losing out on the opportunity to issue new credit cards to Walmart customers, Synchrony Financial is at a crossroads. The problem is, the Stamford, Conn.-based company does not get to decide its path forward.
Walmart announced a deal Thursday that will make Capital One Financial the exclusive issuer of its credit cards starting in August 2019.
For Synchrony, the longtime issuer of Walmart credit cards, the important question now is what will happen to its existing portfolio of approximately $10 billion in loans to the retail giant’s customers.
Under one scenario, Synchrony would sell the Walmart loans, which account for about 13% of the credit card company’s total loan receivables. In the second scenario, Synchrony would hold onto the Walmart portfolio, and seek to convince those existing customers to switch to a credit card that has no affiliation with the discount retail chain.

The first option would free up capital, which Synchrony could use to strengthen relationships with existing merchant partners such as Amazon, Gap Inc. and JCPenney, pursue new partnerships, and buy back more of its shares. The second route would enable the company to diversify into the broader U.S. credit card market.
During a call with analysts on Friday, Synchrony Chief Financial Officer Brian Doubles indicated that the choice is out of his company’s hands. Under a contractually defined process, the portfolio will be given a valuation, which will be used to determine a potential purchase price, he said. Then Walmart or Capital One will have the option to buy the portfolio.
Executives at Synchrony also emphasized that either of the two options will be better for the company’s earnings per share than renewing the Walmart contract would have been.
“While we are disappointed that we are not renewing our program with Walmart,” Synchrony CEO Margaret Keane said, “we are focused on either optimizing the capital freed up, if the portfolio is sold, or leveraging the benefits from retaining the portfolio.”
Synchrony shareholders appear to be skeptical. The company’s stock price has dropped by 12% since late Thursday, when reports about Walmart's new partnership with Capital One were first published.
Kevin St. Pierre, an analyst at Bernstein Research, said in a research note that Synchrony shares are “now a ‘show-me’ story,” much like shares in American Express were after the New York-based card issuer was jilted by the retail chain Costco in 2015. Costco cards are now issued by Citigroup.
Synchrony also has a card partnership with Sam’s Club, the Walmart-owned discount club, which expires in 2021. The credit card issuer vowed Friday to be aggressive in trying to renew that contract.
But Synchrony’s failure to extend the Walmart deal may alter investors’ perceptions about its chances of renewing other partnerships, said Sanjay Sakhrani, an analyst at Keefe, Bruyette &Woods.
“The problem going forward,” Sakhrani wrote in a research note,” is there is likely to be a discount applied to the uncertainty of renewals.”
Synchrony, which was spun off from General Electric in 2015, has been partnering with the independent merchants for many decades, and it still leans heavily on credit cards that are co-issued with retailers.
However, Synchrony has also established a small presence in the general-purpose card market. Following the bankruptcy of Toys R Us in 2017, shoppers who had Toys R Us credit cards were offered the opportunity to obtain a Synchrony card.
Doubles said Friday that roughly 50% of the credit cards it currently issues with Walmart can also be used in other stores. “So they’re kind of acting like a general-purpose card already,” he said.
“So that gives us some comfort that there is a population there that we can convert and would be very receptive to a Synchrony-branded card with a very attractive value proposition,” he added.
During the second quarter, Synchrony reported a profit of $696 million, which was up 40% from the same period a year earlier. Loan receivables rose by 5% to $79 billion, the company said Friday.
Credit quality trends were mixed. The percentage of loans that were at least 30 days delinquent fell from 4.25% during the second quarter of 2017 to 4.17% in the same period a year later, while the percentage of loans that were charged off rose from 5.42% to 5.97%.
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