Feel better now,
pay over time

You are done. You can relax now, and pay over time.

1. Complete the top portion of the application, and fax to: 888-978-5285
   - or - email to akras@massagechairsgiveback.com
2. Include a picture of a major credit card, and current driver's license.
3. Once received application is immediately processed, and approval is instant!

You are done. You can relax now, and pay over time.

How do I get answers about my account or share a concern or compliment?

If you have questions about your account, call the toll-free number on your statement or on the back of your credit card. Or, you can call 877-295-2080. You may also write to us:

Synchrony Bank
P.O. Box 965030
Orlando, FL 32896-5030

Registration and Log in

How do I register my account?

Register online now.

To register, you will need:

• Full account number: It’s on the front of your card, on the top right corner of your monthly billing statement and on the paper that your card was attached to when it was mailed.
• Last 4 digits of the primary accountholder's Social Security Number
• Date of birth

How do I log in?

At the top of each page, there’s a log in to YOUR ACCOUNT button.

What if I can’t remember my user name?

Reset your user name here.

What if I can’t remember my password?

Reset your password here.

What if I can’t remember my answers to the Security Questions?

Reset your Security Questions here.

What if I’m still having log in issues?

Contact us by phone at the number on the back of your card. Once you have validated your identity and listened to your account summary say,Online Assistance” to hear a review of the steps needed to register and log in to your account.

Autopay

What is Autopay?

With Autopay, your payment will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

How do I set up Autopay?

1. From the Home Page, select the, Autopay-Off link located below the Make Payment button.
2. Click the Enroll in Autopay button
3. Select the payment amount and payment source
4. Agree to the Terms and Confirm Autopay
5. Review your Autopay settings and Submit You will see a confirmation screen showing your Autopay settings and a confirmation number. We’ll also send you a confirmation email to the email address on file for your account.

Is Autopay a payment arrangement that guarantees that my account or promotion(s) will be paid in full before expiring?

No. Autopay is not a payment plan arrangement. It is your responsibility to schedule an amount to be automatically deducted that satisfies the Total Minimum Payment Due and any promotional balance at expiration.

Will interest charges and late payment fees still be assessed even though I signed up for Autopay?

Yes, if applicable on your account. Autopay is simply an automatic way to make a payment.

Will I get confirmation when I enroll in Autopay?

Yes, you will receive an Autopay confirmation number and a confirmation email when you enroll. An email will also be sent when your Autopay payment posts on your Payment Due Date.

Will my bank account continue to have deductions even after my credit account balance is paid off?

No, the deductions will be suspended when your account has a zero balance. Autopay will resume when your account has a balance.

If I am enrolled in Autopay and have a zero balance, but make another purchase, will Autopay continue for the new balance?

Yes, the deductions will resume if your balance increases after having a zero balance. You may cancel enrollment at any time.

What if the account balance is less than the payment amount I selected?

Then your automatic payment will be reduced to the amount of your Current Balance.

How long will it take for Autopay to go into effect and start deducting payments from my bank account?

Your Autopay enrollment is effective immediately for any upcoming due date. The same time-of-day restrictions apply to Autopay as other scheduled payments. You cannot enroll, modify or cancel Autopay (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday.

After I have selected an amount for Autopay, when can I go back in to change it?

At any time, except: (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday if your due date is Saturday. Your new Autopay amount will be finalized (based on your current balance and your Autopay settings) at 5 p.m. ET on your payment due date. Autopay payments that have a Pending or Processed status cannot be modified or cancelled.

Once I have cancelled Autopay, how long does it actually take to go into effect?

Autopay will be cancelled immediately unless you cancel after 5 p.m. ET on your due date. Then, it will become effective the next day.

What happens if the Total Minimum Payment Due increases and the Autopay amount I have selected is for less than the Total Minimum Payment Due?

The system will automatically adjust the payment to the Total Minimum Payment Due, if no other payments are received by the due date.

What if there is a delinquent amount on my account? Will this amount be deducted as well?

Yes. If the Total Minimum Payment Due is greater than the selected Autopay amount, then the amount of the Total Minimum Payment Due will be deducted from your bank account. (Total Minimum Payment Due includes the past due amount and current due amount.)

Can I submit additional payments while enrolled in Autopay?

Yes. Any additional payments (or credits) processed on your account may reduce the Automatic Payment that is scheduled.

Payments

What methods of payment can I use to pay my bill?

In addition to online payments (single, multiple and Autopay), we accept checks drawn on US financial institutions, money orders, Western Union, Walmart Bill Pay services or electronically submitted payments from your financial institution. Payments may also be made over the phone, but we will charge you a fee to make phone payments. Gift certificates and credit cards are not accepted as a form of payment.

How do I make a single, one-time online payment?

You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

1.  Log in and then click on the Make Payment button
2. Select the payment amount, date and payment source
3. Click Submit Payment for Review
4. Review your payment and click Submit
5. Look for a confirmation email from Synchrony Bank

Where can I review my payment history (including canceled payments)?

First log in. From the Accounts menu, select your account, click Payments, then click History.

Use the Payments Quick Link to see the dates and amounts of scheduled, pending and processed payments.

How can I make multiple online payments?

Same-day payments are processed until 11:59 p.m. ET. Follow the steps below to make multiple payments at one time:

1.  Log in then click on the, Make Payment button
2. Select the Multiple tab above
3. Fill in the required information
4. Enter up to 12 payments
5. Click Create Payment Schedule
6. Look for a confirmation email from Synchrony Bank

What's the difference between Multiple Payments and Autopay?

With Autopay, set payments will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (Other) amount. When you select Multiple Payments, there’s more flexibility; you can program up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

I received a confirmation that my payment was processed, how long does it take to clear my bank?

You should expect to see the funds withdrawn within approximately 72 hours of the posting date. Refer to your bank or financial institution.

Can I submit multiple payments in one day?

Yes, but each payment must have a unique payment source (bank account). If you are enrolled in Autopay, you may schedule an additional payment for your due date, but from a different payment source. Same-day payments are processed until 11:59 p.m. ET.

Will I get confirmation when I make an online payment?

Yes, you will get an email from Customer.Servicing@mail.synchronybank.com. We will also send an email confirmation once we have processed the payment.

Can I request that my payment due date be changed?

Yes. Call us to request a due date change. The number is on the back of your card. Or, you can call 877-295-2080.

What should I do if my payment has not been applied to my account?

Verify with your banking institution that the payment has cleared. If it has, contact us at the phone number indicated on your card and/or statement. Or, you can call 877-295-2080. Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, e, Pay by Phone, In-Store).

IF YOU:

• Mailed a check: Check with your bank to see if the check was cashed. If cashed, get a copy of the cancelled check from your bank.
• Made an online payment through your bank’s bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.
• Made online payment directly to Synchrony Bank at mysynchrony.com: Log into your account to see if you have any notices that the payment didn’t go through properly. Check to make sure the funds were available and the correct account was used.

How many payments can I schedule?

Up to 12 payments may be scheduled up to 12 months in advance.

Can I change the banking information that was stored from submitting a previous payment?

Yes. You can add or delete bank accounts from the Banking Information tab under the Profile menu.

Will my payment post the same day that I submit it online through mysynchrony.com?

• Payments received before 11:59 p.m. ET on any day will be credited as of the same day.
• Payments received after 11:59 p.m. ET on any day will be credited as of the next day.
• Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account.

Can I change a payment?
Can I cancel my online payment?

Online scheduled payments that have a Scheduled status may be modified or cancelled. Pending or Processed payments or other non-online payments cannot be modified or cancelled.

Which scheduled payments appear on my account?

• All payments scheduled online after signing into your account will appear in the Scheduled Payments section on the Payments pages.
• Private Label Credit Cards will also show payments scheduled via other channels.
• Visa/MC Credit Cards will not show payments scheduled via other channels.

Can I choose how my future payments will be allocated between my balances?

No. We are only able to reallocate posted or same-day pending payments. Please call the number on the back of your card and/or on your statement for assistance. Or, you can call 877-295-2080.

Where can I mail my payments?

For Private Label Credit Cards mail to:
      Synchrony Bank
      P.O. Box 960061
      Orlando, FL 32896-0061
For Visa/MC credit cards mail to:
      Synchrony Bank
      P.O. Box 960013
      Orlando, FL 32896-0013

How can I avoid interest charges on “Deferred Interest/No Interest if paid in full promotions?”

Pay off the Promotional Balance on or before the promotional expiration date.

Is there a fee or penalty for paying off my Promotional Balance in advance?

No.

Where can I find the expiration date for my special financing offer (promotional purchase)?

Log in to your account and click Promotional Purchases. You can also find this information on your billing statement in the Promotional Purchase Summary box. Learn more about how to read your statement.

Fees and Charges

How can I avoid late payment fees?

Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least your Total Minimum Payment Due on or before the Payment Due Date.When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to post.

How do I find my due date?

Check the guide to your Store Credit Card statement now.
Check the guide to your Visa/MC Credit Card statement now.

Why has a late fee been charged to my account?

A late fee is charged to your account if at least the Total Minimum Monthly Payment shown on your billing statement is not received by the due date shown on the statement. When a late payment fee appears on your statement, it means either the payment made was less than the minimum required or the payment was not received by the payment due date. Please be sure to allow 7-10 business days for your payment to be received and posted to your account.

How can I avoid interest charges?

For “Deferred Interest/No Interest If Paid In Full” promotional purchases:

• Pay the entire applicable Promotional Balance by the Promotional Expiration Date (in some cases, this date may be different from your Payment Due Date)

Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

For Non-promotional balances:

• Pay all non-promotional balance(s) in full each month by your Payment Due Date each month.

Why has interest been charged to my account on my Deferred Interest promotion if I have made all of the minimum payments?

Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. In order to avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date. For more information, watch this informative video about promotional purchases.

How do I get answers about my account or share a concern or compliment?

If you have questions about your account, call the toll-free number on your statement or on the back of your credit card. Or, you can call 877-295-2080. You may also write to us:

Synchrony Bank
P.O. Box 965030
Orlando, FL 32896-5030

Registration and Log in

How do I register my account?

Register online now.

To register, you will need:

• Full account number: It’s on the front of your card, on the top right corner of your monthly billing statement and on the paper that your card was attached to when it was mailed.
• Last 4 digits of the primary accountholder's Social Security Number
• Date of birth

How do I log in?

At the top of each page, there’s a log in to YOUR ACCOUNT button.

What if I can’t remember my user name?

Reset your user name here.

What if I can’t remember my password?

Reset your password here.

What if I can’t remember my answers to the Security Questions?

Reset your Security Questions here.

What if I’m still having log in issues?

Contact us by phone at the number on the back of your card. Once you have validated your identity and listened to your account summary say,Online Assistance” to hear a review of the steps needed to register and log in to your account.

Autopay

What is Autopay?

With Autopay, your payment will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

How do I set up Autopay?

1. From the Home Page, select the, Autopay-Off link located below the Make Payment button.
2. Click the Enroll in Autopay button
3. Select the payment amount and payment source
4. Agree to the Terms and Confirm Autopay
5. Review your Autopay settings and Submit You will see a confirmation screen showing your Autopay settings and a confirmation number. We’ll also send you a confirmation email to the email address on file for your account.

Is Autopay a payment arrangement that guarantees that my account or promotion(s) will be paid in full before expiring?

No. Autopay is not a payment plan arrangement. It is your responsibility to schedule an amount to be automatically deducted that satisfies the Total Minimum Payment Due and any promotional balance at expiration.

Will interest charges and late payment fees still be assessed even though I signed up for Autopay?

Yes, if applicable on your account. Autopay is simply an automatic way to make a payment.

Will I get confirmation when I enroll in Autopay?

Yes, you will receive an Autopay confirmation number and a confirmation email when you enroll. An email will also be sent when your Autopay payment posts on your Payment Due Date.

Will my bank account continue to have deductions even after my credit account balance is paid off?

No, the deductions will be suspended when your account has a zero balance. Autopay will resume when your account has a balance.

If I am enrolled in Autopay and have a zero balance, but make another purchase, will Autopay continue for the new balance?

Yes, the deductions will resume if your balance increases after having a zero balance. You may cancel enrollment at any time.

What if the account balance is less than the payment amount I selected?

Then your automatic payment will be reduced to the amount of your Current Balance.

How long will it take for Autopay to go into effect and start deducting payments from my bank account?

Your Autopay enrollment is effective immediately for any upcoming due date. The same time-of-day restrictions apply to Autopay as other scheduled payments. You cannot enroll, modify or cancel Autopay (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday, if your due date is Saturday.

After I have selected an amount for Autopay, when can I go back in to change it?

At any time, except: (1) on your due date after 5 p.m. ET, or (2) on or after 5 p.m. ET on Friday if your due date is Saturday. Your new Autopay amount will be finalized (based on your current balance and your Autopay settings) at 5 p.m. ET on your payment due date. Autopay payments that have a Pending or Processed status cannot be modified or cancelled.

Once I have cancelled Autopay, how long does it actually take to go into effect?

Autopay will be cancelled immediately unless you cancel after 5 p.m. ET on your due date. Then, it will become effective the next day.

What happens if the Total Minimum Payment Due increases and the Autopay amount I have selected is for less than the Total Minimum Payment Due?

The system will automatically adjust the payment to the Total Minimum Payment Due, if no other payments are received by the due date.

What if there is a delinquent amount on my account? Will this amount be deducted as well?

Yes. If the Total Minimum Payment Due is greater than the selected Autopay amount, then the amount of the Total Minimum Payment Due will be deducted from your bank account. (Total Minimum Payment Due includes the past due amount and current due amount.)

Can I submit additional payments while enrolled in Autopay?

Yes. Any additional payments (or credits) processed on your account may reduce the Automatic Payment that is scheduled.

Payments

What methods of payment can I use to pay my bill?

In addition to online payments (single, multiple and Autopay), we accept checks drawn on US financial institutions, money orders, Western Union, Walmart Bill Pay services or electronically submitted payments from your financial institution. Payments may also be made over the phone, but we will charge you a fee to make phone payments. Gift certificates and credit cards are not accepted as a form of payment.

How do I make a single, one-time online payment?

You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

1.  Log in and then click on the Make Payment button
2. Select the payment amount, date and payment source
3. Click Submit Payment for Review
4. Review your payment and click Submit
5. Look for a confirmation email from Synchrony Bank

Where can I review my payment history (including canceled payments)?

First log in. From the Accounts menu, select your account, click Payments, then click History.

Use the Payments Quick Link to see the dates and amounts of scheduled, pending and processed payments.

How can I make multiple online payments?

Same-day payments are processed until 11:59 p.m. ET. Follow the steps below to make multiple payments at one time:

1.  Log in then click on the, Make Payment button
2. Select the Multiple tab above
3. Fill in the required information
4. Enter up to 12 payments
5. Click Create Payment Schedule
6. Look for a confirmation email from Synchrony Bank

What's the difference between Multiple Payments and Autopay?

With Autopay, set payments will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (Other) amount. When you select Multiple Payments, there’s more flexibility; you can program up to 12 future payments, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

I received a confirmation that my payment was processed, how long does it take to clear my bank?

You should expect to see the funds withdrawn within approximately 72 hours of the posting date. Refer to your bank or financial institution.

Can I submit multiple payments in one day?

Yes, but each payment must have a unique payment source (bank account). If you are enrolled in Autopay, you may schedule an additional payment for your due date, but from a different payment source. Same-day payments are processed until 11:59 p.m. ET.

Will I get confirmation when I make an online payment?

Yes, you will get an email from Customer.Servicing@mail.synchronybank.com. We will also send an email confirmation once we have processed the payment.

Can I request that my payment due date be changed?

Yes. Call us to request a due date change. The number is on the back of your card. Or, you can call 877-295-2080.

What should I do if my payment has not been applied to my account?

Verify with your banking institution that the payment has cleared. If it has, contact us at the phone number indicated on your card and/or statement. Or, you can call 877-295-2080. Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, e, Pay by Phone, In-Store).

IF YOU:

• Mailed a check: Check with your bank to see if the check was cashed. If cashed, get a copy of the cancelled check from your bank.
• Made an online payment through your bank’s bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.
• Made online payment directly to Synchrony Bank at mysynchrony.com: Log into your account to see if you have any notices that the payment didn’t go through properly. Check to make sure the funds were available and the correct account was used.

How many payments can I schedule?

Up to 12 payments may be scheduled up to 12 months in advance.

Can I change the banking information that was stored from submitting a previous payment?

Yes. You can add or delete bank accounts from the Banking Information tab under the Profile menu.

Will my payment post the same day that I submit it online through mysynchrony.com?

• Payments received before 11:59 p.m. ET on any day will be credited as of the same day.
• Payments received after 11:59 p.m. ET on any day will be credited as of the next day.
• Payments that post to your account after the payment due date may result in a late payment fee being assessed to your account.

Can I change a payment?
Can I cancel my online payment?

Online scheduled payments that have a Scheduled status may be modified or cancelled. Pending or Processed payments or other non-online payments cannot be modified or cancelled.

Which scheduled payments appear on my account?

• All payments scheduled online after signing into your account will appear in the Scheduled Payments section on the Payments pages.
• Private Label Credit Cards will also show payments scheduled via other channels.
• Visa/MC Credit Cards will not show payments scheduled via other channels.

Can I choose how my future payments will be allocated between my balances?

No. We are only able to reallocate posted or same-day pending payments. Please call the number on the back of your card and/or on your statement for assistance. Or, you can call 877-295-2080.

Where can I mail my payments?

For Private Label Credit Cards mail to:
      Synchrony Bank
      P.O. Box 960061
      Orlando, FL 32896-0061
For Visa/MC credit cards mail to:
      Synchrony Bank
      P.O. Box 960013
      Orlando, FL 32896-0013

How can I avoid interest charges on “Deferred Interest/No Interest if paid in full promotions?”

Pay off the Promotional Balance on or before the promotional expiration date.

Is there a fee or penalty for paying off my Promotional Balance in advance?

No.

Where can I find the expiration date for my special financing offer (promotional purchase)?

Log in to your account and click Promotional Purchases. You can also find this information on your billing statement in the Promotional Purchase Summary box. Learn more about how to read your statement.

Fees and Charges

How can I avoid late payment fees?

Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least your Total Minimum Payment Due on or before the Payment Due Date.When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to post.

How do I find my due date?

Check the guide to your Store Credit Card statement now.
Check the guide to your Visa/MC Credit Card statement now.

Why has a late fee been charged to my account?

A late fee is charged to your account if at least the Total Minimum Monthly Payment shown on your billing statement is not received by the due date shown on the statement. When a late payment fee appears on your statement, it means either the payment made was less than the minimum required or the payment was not received by the payment due date. Please be sure to allow 7-10 business days for your payment to be received and posted to your account.

How can I avoid interest charges?

For “Deferred Interest/No Interest If Paid In Full” promotional purchases:

• Pay the entire applicable Promotional Balance by the Promotional Expiration Date (in some cases, this date may be different from your Payment Due Date)

Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

For Non-promotional balances:

• Pay all non-promotional balance(s) in full each month by your Payment Due Date each month.

Why has interest been charged to my account on my Deferred Interest promotion if I have made all of the minimum payments?

Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. In order to avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date. For more information, watch this informative video about promotional purchases.