Overview

Synchrony Bank issues many store credit cards (Amazon, Lowes, Care Credit, etc.). All Synchrony-issued cards are covered under SCRA.

Contact Information
Customer Service
1-866-419-4096
Fax
1-800-965-3638
Mailing Address
Synchrony Bank
Attn: SCRA
P.O. Box 965012
Orlando, FL 32896

Eligible Products

Synchrony offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Store Credit Cards: Amazon, Lowes, Care Credit, PayPal Credit, and more
  • Retail Financing: Promotional financing through Synchrony

How to File Your Claim

  1. 1

    Identify Your Synchrony Cards

    Check which store cards are issued by Synchrony Bank.

  2. 2

    Call Synchrony

    Contact customer service for SCRA benefits.

  3. 3

    Submit Orders

    Fax or mail your military orders.

Required Documents

Document Checklist
Military Orders — Showing active duty start date
Account Numbers — All Synchrony card accounts

Processing Time

Synchrony typically processes SCRA requests within 30 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Synchrony will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • Many store cards are issued by Synchrony—check the back of your cards
  • One request can cover multiple Synchrony accounts

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers Synchrony and all your other lenders.