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If you own a cobranded Synchrony card you’d like to cancel, you’ll have to call the number on the back of your card or write a letter. This is standard practice for most issuers, who know that talking to a customer service representative means the bank can entice you with new terms for your card.
If you’re set on canceling, you can decline any offers to continue with your card cancellation.
Cancel your Synchrony card in three steps:
When you call in to cancel your Synchrony card, expect to hear new offers that can include a lower APR, an interest-free period or other bonus. If the offers sounds good, you may want to consider closing a different card and keeping your Synchrony card.
To cancel your card, decline any offers you get and be ready to:
When ready, call the number on the back of your card or 1-877-295-2080.
Canceling your Synchrony card could affect your credit score. Because of that, you should consider:
After you’ve spoken to a representative, consider sending a credit card cancellation letter to Synchrony. A letter can help you if you later find an error on the bank’s side or it fails to close your account.
Your letter should include:
Send your letter to:
Synchrony Bank
PO Box 965030
Orlando, FL 32896-5030
Now that you’ve wrapped up closing your Synchrony credit card, compare your credit card options to find the best you’re eligible for.
Closing your Synchrony credit card could take you a step closer to a stronger card that better fits your needs. A new card can positively affect your credit score or simply provide rewards on your everyday spending.
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