Synchrony Terms

Promotional Financing


The following promotional financing offers are available to consumers every day*. Offers apply to qualifying purchases made with your Sewing and More credit card, offered by Synchrony Bank.

No Interest if Paid in Full Within 6 or 12 Months

Available Promotional Periods: 6 months or 12 months
Minumum Purchase Amount: $499

With this option, no interest will be charged if the promotional balance is paid in full within the agreed promotional period.

Interest will accrue during the promotional period beginning from date of purchase and will be charged if the promotional balance is not paid in full within the promotional period.

Minimum monthly payments are required and may not pay off the promotional balance within the agreed promotional period, so paying above the minimum monthly payment is recommended. For example, you can divide your total promotional balance by the number of months in the chosen promotional period to determine the amount needed each month to pay off the balance in full.

Regular account terms** will apply to any non-promotional purchases as well as any unpaid balance from the promotional balance.

No Interest with Equal Monthly Payments Required

Available Promotional Periods: 18 months, 24 months, or 36 months

No interest will be charged on the promotional balance. Equal monthly payments are required on the promotional purchase until the balance is paid in full.

Payments are calculated by dividing the promotional purchase amount by the number of months in the chosen promotional period and rounded up to the next whole dollar.

These payments may be higher than the payments that would be required if this purchase was a non-promotional purchase. Regular account terms** apply to non-promotional purchases.

Reduced 5.99% Interest with Equal Monthly Payments Required

Available Promotional Periods: 36 months, 48 months, or 60 months

Interest will be charged to the promotional balance at the reduced interest rate until the balance is paid in full. Equal monthly payments are required on the promotional purchase until the balance is paid in full.

Payments are calculated by adding the estimated total amount of interest to the promotional purchase amount, and then dividing by the number of months in the chosen promotional period and rounded up to the next whole dollar.

These payments may be higher than the payments that would be required if this purchase was a non-promotional purchase. Regular account terms** apply to non-promotional purchases.

 

*Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

**See below for regular account term details. For any additional information, please contact Synchrony Bank.

  • New accounts:
    Purchase APR is 29.99%
    Minimum interest charge is $2.00
    Late fee of up to $41 may be charged for missed payments
    Returned payment fee of $30 may be charged for any returned payments
     
  • Existing accounts: See your credit card agreement terms

 

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