Deferred Interest Offer

No Interest if Paid in Full within 6 Months*
on purchases of $199 or more made with your Synchrony Car Care^TM credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.

*No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreement for their applicable terms. Subject to credit approval.

Deferred Interest: How it works

How are my monthly payments calculated?

• Minimum monthly payments, based on a percentage of your account balance or a minimum amount, are required in accordance with the standard account terms.
• It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period.
• If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.

How long will it take to pay off my purchase?

• There will be information on your billing statement about how long it will take to pay off your account if you only make minimum payments.

What is the Interest Rate and will it change?

• Interest will be charged to your account from the purchase date if the promotional purchase balance is not paid in full within the promotional period.
• Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.
• To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date.

How do I avoid paying interest or minimize the interest paid?

• Pay your promotional balance in full before the end of the promotional period to avoid interest.
• If you do not make a payment on time, you will be charged a late fee (see terms for details).