amazon bank synchrony

Quite a few clients targeted in last 24 hours, most of whom don't have ANY services with Amazon or Synchrony Bank. Care Credit/Synchrony Bank does not accept payments through other credit cards or Synchrony is not just about its flagship relationships like Amazon. If you want to learn how to use an Amazon credit card login with a Synchrony account, you need to keep reading it.

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Synchrony Bank Amazon Credit Builder

Synchrony Financial

American financial services company

Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States.[2] The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment amazon bank synchrony to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.[4][7]


Synchrony traces its roots to 1932.[8] GE Capital Retail Bank was started during the Great Depression, providing customers a line of credit to purchase GE appliances. The lending arm remained GE Capital Retail Bank until being spun off from its parent company in June 2014.[9][10] GE filed with the Securities and Exchange Commission on March 13, 2014 announcing its intention to spin-off the portion of its GE Capital business dedicated to retail credit cards. GE's SEC filing indicated that the new company would be called Synchrony Financial.[9] On July 31, 2014 Synchrony Financial raised $2.88 billion in its initial public offering.[10]

Recent corporate history[edit]

In 2017, Synchrony acquired GP Shopper.[11][12]

In 2018, Synchrony acquired Loop Commerce, which provides a patented digital gifting platform called GiftNow.[13][14] In 2018, Synchrony's largest program was the acquisition of PayPal's $7.6 billion credit receivables portfolio.[4][15] PayPal also chose Synchrony Bank to be its exclusive issuer for the PayPal Credit point of sale financing program in the United States through 2028. Additionally, PayPal agreed to extend its existing co-brand credit card relationship with Synchrony through the same 10-year term. These transactions (collectively, the "PayPal transaction") officially closed in July 2018.[16]

In 2019, Synchrony announced the acquisition of Pets Best, which offers pet insurance and wellness plans for dogs and cats. Pets Best will operate under Synchrony's CareCredit platform.[citation needed]

GIC Private Limited, the sovereign wealth fund of Singapore, owns 7.72% of Synchrony's stock.[17]

Products and technology[edit]

Synchrony is the largest provider of private label credit cards in the U.S.[18] Brands partnered with Synchrony include Amazon,[19]Lowe's,[20]Guitar Center,[21]Gap.,[22]Cathay Pacific, Rakuten, Verizon, and Sam's Club.[23]

In 2019, Synchrony expanded its auto and home acceptance locations and value propositions.[citation needed] Synchrony partnered with Discover Financial, and launched the Synchrony HOME Credit Card, which can be used by consumers to finance their home needs at more than a million retail locations nationwide.[citation needed] Synchrony also amazon bank synchrony its Car Care amazon bank synchrony network to more than 500,000 locations across 25 categories including gas, auto parts and service, car washes, parking, and ride sharing.[24]

Synchrony has four "Innovation Stations," which are located in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohio;[25] and Hyderabad, India.[26]

Synchrony's corporate ventures arm, Synchrony Ventures, invests in early-stage companies that provide emerging technology and products.[citation needed]

In 2016, Synchrony Financial launched Digital Apply, a credit benefits of business account on amazon site, and SyPI (Synchrony plug-in), a feature for retailers' mobile apps, through which customers can access their credit card information.[27] As of 2019, more than 20 retailers had adopted SyPI and nearly $2 billion in credit card payments had been made through the technology.[28]

In 2018, Synchrony created the Alexa Store Card skill for customers to manage their Amazon Store Cards via voice technology.[29][30]

A majority of Synchrony's retail partners have deployed Synchrony's AI-enabled virtual assistant Sydney for cardholders.[citation needed]

Public-private partnerships[edit]

In 2016, the University of Connecticut's School of Engineering announced the launch of Synchrony's Center of Excellence in Cybersecurity.[31]

In 2018, Synchrony opened an emerging tech center at the University of Illinois.[32]

In 2019, Synchrony opened the Synchrony Digital Technology Center at the University of Connecticut's Stamford campus.[33] During the dedication of the Center, the company announced a $1 million donation to the "Connecticut Commitment" – an initiative aimed at helping lower-income Connecticut students attend the University, tuition-free.[33]


In June 2014, shortly before Synchrony's New York Stock Exchange debut, the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a $225 million settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating amazon bank synchrony GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices.[34] According to USA Today, "The bank said it discontinued such sales practices in 2012 and has already refunded more than $11 million in fees as a result of its first bank of dalton online banking review."[35]


  1. ^"Synchrony Financial on the Forbes Global 2000 List". Forbes. Retrieved 2016-10-04.
  2. ^ abSYNCHRONY FINANCIAL 2016 Form 10-K Annual Report
  3. ^Bishop, Sue. "Synchrony Promotes Brian Doubles To President". PR Newswire. Synchrony. Retrieved 21 May 2019.
  4. ^ abcdefg"SYNCHRONY 2018 Form 10K Annual Report". Retrieved 16 April 2019.
  5. ^Synchrony Financial Fact Sheet
  6. ^"Working at Synchrony Explore out Products, People and Principles". Synchrony.
  7. ^"Factsheet". Sychrony. Retrieved 16 April 2019.
  8. ^Shah, Aman (13 March 2014). "GE files to spin off credit card unit". Reuters. Retrieved 17 June 2019.
  9. ^ abDe La Merced, Michael (March 13, 2014). "G.E. Files to Spin Off Retail Finance Unit". New York Times.
  10. ^ ab"GE credit card unit Synchrony Financial prices IPO at $23 per share". Reuters. July 30, 2014.
  11. ^"BRIEF-Synchrony Financial to buy GPShopper". Reuters. March 20, 2017.
  12. ^Rogers, Bruce. "Maya Mikhailov's Journey From Russia To Co-Founder Of GPShopper". Forbes. Retrieved 2020-03-23.
  13. ^"Synchrony To Acquire Loop Commerce". PARTNERSHIPS / ACQUISITIONS. PYMNTS. 10 May 2018. Retrieved 17 June 2019.
  14. ^Zacks, Contributor Zacks Equity Research. "Synchrony Financial Braces Portfolio With Loop Commerce Buy". Retrieved 2020-03-23.
  15. ^PayPal (July 3, 2018). "PayPal and Synchrony Complete Consumer Credit Receivables Sale". PayPal.
  16. ^Perez, Sarah (July 3, 2018). "PayPal sells its consumer credit portfolio to Synchrony for $7 billion". TechCrunch.
  17. ^Synchrony proxy statement
  18. ^"Synchrony Financial SEC Registration". Retrieved 2020-04-24.
  19. ^GuruFocus. "Warren Buffett And Seth Klarman Agree On One Stock – Synchrony Financial". Forbes. Retrieved 2020-04-24.
  20. ^Johnson, Andrew (March 13, 2014). "GE Plans Credit-Card IPO as Plastic Gets Popular; New Company home remedy for diarrhea in nigeria Be Called Synchrony Financial". The Wall Street Journal. Dow Jones & Company Inc. Retrieved June 3, 2015.
  21. ^Passeri, James (April 17, 2015). "GE Spinoff Synchrony Financial Is Still Trying to Stand on Its Own". The Street. TheStreet, Inc. Retrieved June 3, 2015.
  22. ^Nash, Kim (May 14, 2015). "GE Spin-Off Synchrony Financial Builds Tech to Support Growth Plans". The Wall Street Journal. NewsCorp. Retrieved June 3, 2015.
  23. ^
  24. ^Zacks, Publisher. "Synchrony Financial's Credit Card Expands Acceptance Network". Retrieved 2020-04-24.
  25. ^"Innovation".
  26. ^"synchrony-financial-to-invest-12-m-in-hyderabad-facility". The Hindu. 29 April 2016.
  27. ^"Synchrony Financial Plug-in Easily Integrates Credit into Retailers' Mobile Apps". Business Wire. 24 October 2016. Retrieved 20 May 2019.
  28. ^"Synchrony Financial Q4 2018 Results – Earnings Call Transcript". Seeking Alpha. 23 January 2019. p. 8. Retrieved 20 May 2019.
  29. ^Ward, Nicole (2 May 2018). "Synchrony Teams with Amazon to Introduce New Alexa Skill for Amazon Store Card". Business Wire. Retrieved 20 May 2019.
  30. ^LaMagna, Maria; Marketwatch (2018-05-03). amazon bank synchrony can now help you choose a credit card". New York Post. Retrieved 2020-04-24.
  31. ^Mahoney, Sara (12 Oct 2016). "UConn Establishes Synchrony Financial Center of Excellence in Cybersecurity". UConn Today. Retrieved 20 May 2019.
  32. ^Bliell, Laura (12 April 2018). "Synchrony Opens Emerging Tech Center at the University of Illinois to Develop Artificial Intelligence Solutions". Synchrony Financial. Retrieved 20 May 2019.
  33. ^ ab"Synchrony Digital Technology Center Dedicated; South state bank open near me to Connecticut Commitment Announced". UConn Today. 2019-12-16. Retrieved 2020-05-19.
  34. ^"CFPB Orders GE Capital to Pay $225 Million in Consumer Relief for Deceptive and Discriminatory Credit Card Practices" (Press release). Consumer Financial Protection Bureau. June 19, 2014.
  35. ^Schneier, Cogan (14 June 2019). "GE Capital arm to pay record credit card settlement". USA Today.

External links[edit]


Suspicious email from Synchrony Bank citing Amazon credit card scares people

Photo credit: / Evka119

I, along with many others received a suspicious email on Monday, Nov. 25, 2019, supposedly from Synchrony Bank with the subject line: “A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER.”

I haven’t signed up with Amazon Credit Builder, and I’m dm f guitar chord a Synchrony Bank customer unless they privately run another company’s credit card service that I’m not aware of.

Amazon said it’s aware of the issue.

“Amazon is aware of a notification that was distributed by Synchrony in error to some customers,” an Amazon spokesperson told Business Insider. “They are investigating the root cause. Additional inquiries can be sent to Synchrony.”

However, many people, including me, who are not Synchrony customers, want to know why their names were even in Synchrony’s customer database.  The email I received has me very concerned about the potential of fraud and identity theft. I didn’t sign up for anything new, and an email that appears to be from a bank referencing trial deposits makes me very nervous.

When I went to Synchrony Bank’s website, it had a banner that read as follows:

“Alert: We apologize for any confusion an unplanned email from Synchrony may have caused today. No action needs to be taken at this time.”

When I clicked the banner, it then read, “Synchrony is currently investigating an unplanned customer notification that is affecting some consumers. We apologize for any confusion; you do not need to take any action at this time.”


That’s what they say today, but what kind of breach might I be hearing about tomorrow?

Click here for more information about how to protect yourself from identity theft.


iPhone Screenshots


Now there’s a simple, convenient way to manage your Amazon Store Card or Amazon Secured Card, issued by Synchrony Bank. With the Amazon Store Card app, you can access your billing statements and credit account details, pay your bill, shop with points and view your digital walmart stock today price for easy access to your account number.

Easy set-up and log in

Login and access your account securely and easily with TouchID or FaceID

View purchase details by navigating amazon bank synchrony the activity page and tapping into the transaction

Version 4.7.12

Thank you for using the Amazon Store Card app! We’re continuously making improvements to give you the best experience. As part of this release, we are adding the capability to view your billing statements, edit your cardholder profile, and setup spending alerts.

Ratings and Reviews

4.7 out of 5

66.7K Ratings

Convenient but not perfect

This app is very responsive. One improvement that I would like to see added is what other credit card apps can do, such as American Express and CapitalONE when you make a payment, your available spending credit gets adjusted instantly! This is really helpful when you want to buy something in the moment which exceeds your available balance, so you can pay the difference and order the item without waiting a couple days, in which time you may even lose the item (out of stock for example). If you add this capability to this app, then this app will be worth 10 STARS!!!

Works Great but isn’t perfect

It’s definitely not as nuanced as a bank credit card app, but as far as an app where you pay your bills is concerned it works just fine. MILES easier than the website used to be. Makes it easy to pay on time (or in my case way before time) with a click of a button. Even allows you to link between your bank’s app (probably depends on which bank you’re affiliated with actually) and this one so you can even pay through your bank instead of with this. This lets you set up recurring/automatic payments and that’s really nice. I won’t dock it a star because it may be user error and it’s not worth the deduction anyway but I wish the app would let me make a payment sooner than it does. It recognizes that I have activity and yet the make a payment button is greyed out. It’s usually only for a day or two but that’s a long enough time to forget.

The whole operation is bogus

I don't think I've ever had a worse banking experience. I tried several times to make a payment, but for one reason or another it wouldn't go through. I don't know if the problem arose from Synchrony, my bank, or me myself, but the real frustration amazon bank synchrony and continued when I tried to get support. There seems to be no way in the app to contact support except by phone, and we all know what that means. Sometimes the person amazon bank synchrony the other end was very difficult to understand (combination of British pronunciation on top of an Asian accent), or they were of no help. Most frustrating was that there was no way for them to communicate whether or not a payment had gone through before a notice was sent of late fees charged. Also there seems to be no way to close the account after I sent a check by mail and requested it to be closed. So I will forever be receiving notices of my $0.31 credit which is apparently not available. I just hope no one is able to hack into my account and create more problems.

The developer, Synchrony Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and amazon bank synchrony to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


Synchrony Financial

22 MB


Requires iOS 11.2 or later.
iPod touch
Requires iOS 11.2 or later.

Age Rating

© 2019 Synchrony



  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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Synchrony launches Amazon-branded credit card

Synchrony and Amazon’s new program is similar to the e-commerce giant’s existing Store Card, but with more stringent application requirements.

A minimum security deposit of $100 is required. The deposit amount then becomes the credit limit, with a maximum of $1,000.

Customers could be eligible for an upgrade to the Amazon Store Card as soon as seven months after an account is opened. ACB card deposits would then be refunded after switching to the Amazon Store Card.

Synchrony’s partnership with Amazon would help to offset the loss of business from Walmart, the country’s largest brick-and-mortar retailer, which last year decided to end the Stamford company’s two-decade run as its credit-card provider in favor of a new deal with Capital One.

Walmart then sued Synchrony last November for alleged breach of contract, but it dropped the complaint a couple of months later.

More Business

In the first quarter of this year, Synchrony’s revenues reached about $4.2 billion, a 10 percent increase from the same period in 2018. Profits jumped to $1.1 billion, from $640 million a year ago — an increase that reflected a $522 million release from the company’s reserve related to the pending sale of the Walmart credit portfolio.

Synchrony’s growth was largely driven by its acquisition in July 2018 of PayPal’s $7.6 billion consumer-credit portfolio.

Synchrony is now the exclusive U.S. issuer of PayPal Credit’s online consumer-financing program through 2028, supporting its goal of becoming a major digital-payments player.

Net charge-offs — which refer to debts the company does not expect to recoup — comprised 6.06 percent of loan receivables in the past quarter, compared with 6.14 percent in the same period of 2018.

Synchrony shares closed Monday at about $33, down 1.4 percent from their Friday finish.

[email protected]; 203-964-2236; twitter: @paulschott


Amazon, Synchrony Launch Secured Credit Builder Card

The online mega-retailer has teamed with Synchrony Bank to launch the Store Card Credit Builder. It offers the same benefits as the existing Store Card, except that the new product is a secured card aimed at customers looking to build or rebuild their credit — meaning it requires an upfront deposit.

“Credit Builder enables those on a controlled budget to shop on while building credit with responsible use,” said Tom Quindlen, executive vice president and CEO of retail cards at Synchrony Financial.

To be eligible for the new card, applicants must have an account. But as with the normal store card, if you join Amazon Prime you can be upgraded to a Prime version of the Credit Builder card, which offers rewards. The Credit Builder card can be used to make purchases on, at select physical Amazon stores, and for purchases from other merchants who have enabled the “Pay With Amazon” option. Here’s what else it offers.

Key features

Annual fee: $0

Security deposit: Minimum of $100, maximum of $1,000. (This refundable deposit must be made with Synchrony Bank.) The amount of your deposit will be your credit limit.

New-cardmember offer: A $10 gift card after making an account-opening deposit.

APR: 28.24% (as of June 10, 2019).

Rewards: The baseline Store Card Credit Builder doesn’t earn rewards, but amazon bank synchrony with an eligible Amazon Prime membership are automatically upgraded to the Amazon Prime Store Card Credit Builder, which offers the option of earning 5% back on purchases. (A Prime membership costs $119 a year or $59 annually for a student membership.)

Financing options:

  • Cardholders may have access to “special financing” offers on qualifying purchases, in which there’s no interest if you pay in full within six, 12 or 24 months (the timetable will depend on the amount of your purchase). Keep in mind, however, that these are deferred dark towers deutsche bank offers, not true 0% APR offers where interest is waived. Pay off your balance in full by the end of the promotional period to avoid retroactive interest charges.
  • Alternately, you may also be eligible to choose “Equal Pay” financing offers on qualifying purchases, which give cardholders equal monthly installment options of six, 12 or 24 months (also dependent on the amount of your purchase). Unlike with the special financing offers above, you will not pay any kind of interest on Equal Pay offers as long as you make your monthly payments on time and in full.

Note that these promotional financing offers cannot be combined with the 5% back benefit.

Is this a good deal?

For the right person, it could be. You can buy pretty much anything and everything via, making it a union bank locations culver city flexible credit-building option than a traditional store credit card.

A student with a thin credit file, for example, might find that even the $59 annual fee for a Prime membership is worth it to get a 24-month “Equal Pay” offer on a big purchase, and then earn 5% rewards on their purchases after the promotional period ends.

It’s also beneficial that Amazon Credit Builder cardholders will automatically be considered for an upgrade to an unsecured Amazon Store Card starting in as little as seven months after an account is opened, and the initial security deposit will be refunded if approved.

The ongoing 5% rewards rate is outstanding for a secured card, but for those who aren’t eligible for the student rate, paying $119 a year for those kinds of earnings may not be worth it.

Robin Saks Frankel is a writer at NerdWallet. Email: [email protected] Twitter: @robinsaks.

The article Amazon, Synchrony Launch Secured Credit Builder Card originally appeared on NerdWallet.


Amazon’s credit card company is a nightmare

Dear John: My problem is not directly with Amazon, but with their credit card company, Synchrony.

My card has a very low limit: $120. I rarely go above $100 in a month and usually pay it off or pay a major portion monthly. The problem is that any time I exceed $120 Synchrony reports to the credit bureaus that I have exceeded my limit and it’s difficult to get them to make it right.

Usually, by the time Synchrony contacts the credit bureaus, the damage has been done and my credit score has been lowered. I can’t imagine that I’m the only person to whom this happens, as it’s happened to me at least five times. S.W.

Dear S.W.: I don’t know. You might be the only person in America with a $120 credit limit on any credit card. Maybe some kids, but not an adult.

Anyway, I contacted Amazon and the company says it has been trying to reach you after I reached out. But they haven’t been able to get in touch.

Amazon wants you to spend money.

Boy, do they want you to spend! So they will probably first give you a lecture on how to avoid spending too much.

Then they will probably offer you a big credit-card limit. Don’t raise your limit unless you can control your spending. But a $120 limit does seem ridiculous!


Amazon Store Card Login Synchrony – You already know that the major reason anyone may want to login to store card account is simply to make their payments online and when you login, you can make one-time or recurring Amazon Synchrony bank payments on your Amazon Store Card or Amazon Credit Builder Account by signing into your Synchrony Bank online account. Payment

Your store card payment due date for your account can be found on your monthly billing statement, or by accessing your online account through the store card login page.

Interesting:Online Banking Login – Fifth Third Bank –

If you are an Amazon subscriber and you use Synchrony bank to make your payments, this article is going to walk you through on how to access Amazon Store card login Synchrony bank payment page to, so if you have selected the products you need from the shopping store, you can log in to your Amazon Store Card payment Synchrony bank account using this guideline below.

Before you can make your payment, you have to follow the steps below to sign in to your Amazon Store Card account.

Amazon Store Card Login Synchrony

  1. Go to the official Amazon Synchrony bank account login page at
  2. Enter your “User ID“
  3. Enter your “Password” in the second field (Case-sensitive, may differ from your User ID)
  4. Tick the “Remember User ID” to recall your login details when next you want to access your payment account.
  5. Finally, click on the “Secure Login” button to access your account.

Also Read:How To Pay Your Allstate Insurance Bill

Now that you have successfully logged into your Amazon store card Synchrony bank account, let us walk you through on how to make your payment online.

Let us start with how to make Synchrony bank Amazon one-time payment:

  • Sign in to your Synchrony Bank account at or link your
  • Amazon and Synchrony accounts at to navigate directly to Synchrony from the Amazon site.
  • Hover over Payments at the top of the page, and then scroll down
  • Click Make a Payment.
  • Select Minimum Payment, Statement Balance (as of your last statement), Current Balance, or Other.
  • Enter your bank’s routing number and checking account information in the requested fields and confirm your banking information.
  • Verify that the information is correct and click Make a Payment.

That was how to make your Amazon Synchrony bank payment one time. Let us now show you how to set up a recurring payment on your Amazon/synchrony amazon bank synchrony account.

How to Set Up Amazon Store Card Synchrony Auto Payment

  1. To set up an Automatic Amazon store card Synchrony bank payment, you will need to follow the steps below.
  2. Sign in to your Synchrony Bank account at or link your Amazon and Synchrony [email protected] to navigate directly to Synchrony from the Amazon site.
  3. Hover over Payments at the top of the page, and then scroll down and click Enroll in Recurring Payments.
  4. Select Minimum Payment, Statement Balance (as of your last statement), Current Balance, or Other.
  5. Select your bank account and review the terms and conditions for setting up a recurring payment.
  6. If you agree, check to Agree and then click Submit.

You’ll receive a confirmation that a recurring payment has been established and can cancel your Amazon Store Card login Synchrony Bank payment at amazon payment any time prior to the scheduled payment date.

  • Payment By Phone:

If you want to make your payment by phone, call Synchrony Bank at 1-866-634-8379.

Note:A payment made through the automated phone system or with a customer service representative is always free of charge.

  • Amazon Store Card Login Synchrony Bank Payment By Mail:

To make your payment through the mail, follow the steps below.

Send a check or money order made out to “Synchrony/Amazon” along with the remittance slip from your monthly statement for the amount you wish to pay to the following address:

Synchrony / Amazon
P.O. Box 960013
Orlando, FL 32896-0013.

For questions and contributions on how to access Amazon Store Card login Synchrony Bank for your one-time or recurring payment online use the comment box below.



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