Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. If your purchase qualified for a Deferred Interest promotion, interest is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Why has interest been charged to my account on my Deferred Interest promotion if I have made all of the minimum payments? Minimum interest charges in excess of the calculated interest are treated as a new purchase. Interest, as calculated above, is added as applicable to each balance type. We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. We add all the daily interest amounts that were charged during the billing cycle. How to get the interest charge for the billing cycle:.We add the daily interest amount in step 2 to the daily balance from step 1.

How to get the starting balance for the next day:.We multiply each daily balance by the daily rate that applies. Debt cancellation fees, if any, and late payment fees are treated as new purchases. We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. See below for more details on how this works. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. We do this by applying the daily rate to the daily balance for each day in the billing cycle. We calculate the interest charge on your account separately for each balance type. Check to make sure the funds were available and the correct account was used. Made an online payment directly to Synchrony Bank at : Log in to your account to see if you have any notices that the payment didn’t go through properly. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.

Made an online payment through your bank’s bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If cashed, get a copy of the cancelled check from your bank. Mailed a check: Check with your bank to see if the check was cashed.

Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, online, Pay by Phone, In-Store). If it has, contact us at the phone number indicated on your card and/or statement. Verify with your banking institution that the payment has cleared. What should I do if my payment has not been applied to my account?

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