Does checking pre-qualification affect my credit score?
No. Checking if you prequalify has no impact on your credit score. If you proceed to submit a formal credit application at checkout, a standard credit inquiry will be performed, which may affect your credit score.
Can I pay off my balance early?
Yes. You can pay off your balance in full or make extra payments at any time with no prepayment penalties. Paying early reduces your principal faster and lowers potential interest costs.
How do 6, 12, and 18-month deferred interest offers work?
No interest is charged on the promotional balance if you pay it off in full within the selected promo period. However, if the balance is not paid in full by the end of the period, interest will be charged retroactively from the original purchase date at the standard Purchase APR (34.99%).
Note: Making only the required minimum monthly payments may not pay off your promo balance before the offer expires.
How does the 60-month financing offer work?
Unlike deferred interest plans, the 60-month option charges a reduced 9.99% APR starting from the purchase date. Fixed monthly payments are calculated at approximately 2.13% of the total financed amount (rounded up to the nearest dollar).
Do promotional minimum purchases include taxes and shipping?
No. Qualifying purchase thresholds exclude taxes, shipping, and delivery fees.
Where else can I use my Synchrony HOME™ Credit Card?
The Synchrony HOME™ Credit Card can be used for purchases at Transformer Table as well as thousands of participating home-related retail locations across the U.S. and Puerto Rico.
What standard interest rates apply outside of promotions?
Standard account terms apply to non-promotional purchases and to promo balances after the promotional period ends:
Standard Purchase APR: 34.99%
Penalty APR: 39.99%
Minimum Interest Charge: $2.00