SYNCB stands for Synchrony Bank, and a SYNCB payment on your bank statement or credit report is a transaction tied to a Synchrony Bank credit account. Synchrony is one of the largest issuers of store credit cards in the United States, so the charge likely comes from a retail credit card you opened at a store, a financing plan you signed up for, or a service like PayPal Credit or CareCredit.
Why SYNCB Appears on Your Statement
Synchrony Bank doesn’t operate branches you walk into. Instead, it provides the credit behind dozens of well-known retail brands. When you open a store credit card at Lowe’s, Sam’s Club, JCPenney, or Amazon, for example, the actual lender is Synchrony Bank. Because Synchrony processes the payment, your bank statement or credit report shows SYNCB rather than the store name itself.
You may also see a suffix after SYNCB that hints at which account triggered the charge. SYNCB/PPC refers to Synchrony Bank/PayPal Credit. Other suffixes like AMZN, LOW, or CARE correspond to Amazon, Lowe’s, and CareCredit accounts respectively. If you’re not sure which account is involved, the suffix is the fastest clue.
Common Accounts That Show as SYNCB
Synchrony partners with a wide range of retailers and service providers. Some of the most common include:
- Lowe’s store and commercial credit cards
- Amazon store cards and revolving credit lines
- Sam’s Club credit cards, including the Mastercard
- PayPal Credit and Venmo credit products
- JCPenney store credit card
- CareCredit for medical, dental, and veterinary financing
Beyond retail cards, Synchrony also offers specialty credit products: the Synchrony Car Care card for auto repairs, the Synchrony HOME card for home furnishings, and various cards for categories like outdoor equipment, musical instruments, and luxury goods. Any of these can appear on your statement under the SYNCB label.
If You Don’t Recognize the Charge
Seeing SYNCB and drawing a blank doesn’t necessarily mean fraud. Many people forget they opened a store card during a checkout promotion or signed up for a financing plan at a dentist’s office through CareCredit. Think back to any recent purchases where you were offered a discount for opening a new credit line, or any medical or home-improvement work where you financed the cost.
If you still can’t place the charge, pull your free credit reports. Each Synchrony account will be listed with the associated store or service name, the credit limit, and the balance. That will tell you exactly which account is generating the SYNCB entry. If none of the accounts are yours, you may be dealing with identity theft and should dispute the account directly with the credit bureaus and with Synchrony.
How to Make a SYNCB Payment
You can pay any Synchrony Bank account online through Synchrony’s website. Each retail card has its own sign-in portal, so you’ll look up your specific account (Lowe’s, Amazon, CareCredit, etc.) on Synchrony’s “Find Account” page, then log in to make a payment. Synchrony also offers a “Pay Without Sign In” option if you don’t want to create a full online account.
If you prefer to call, Synchrony’s general customer service number is 1-866-419-4096. For CareCredit accounts specifically, the number is 1-866-893-7864. Sam’s Club, Lowe’s, and Amazon commercial accounts each have dedicated phone lines as well. The number for your specific card is printed on the back of the card itself and on your monthly statement.
Most Synchrony retail cards also accept payments by mail, and some partner stores allow you to make payments in person at the register. Your monthly statement will list all available payment methods for your particular account.
SYNCB on Your Credit Report
Every Synchrony credit card reports to the three major credit bureaus just like any other credit account. That means your payment history, balance, and credit utilization on a SYNCB account all affect your credit score. A store card with a $500 limit that you’ve charged $450 on, for example, shows 90% utilization on that account, which can drag your score down even if your other cards have low balances.
Late payments on a Synchrony account follow the same rules as any credit card. Payments more than 30 days past due get reported to the bureaus and can stay on your credit report for up to seven years. If you’re carrying a balance on a SYNCB account, treating it with the same urgency as any other credit card payment protects your credit history.