Take Advantage of
Special Financing
with the B&H financing credit card
*
No interest if paid in full within 6 or 12 months.
Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Instant Credit Decision
Use Your New Account Number Right Away
No Annual Fee
Apply Now
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**
Months
$199 Min. Purchase
6
Months
$599 Min.
Purchase
12
or
***
**
*
Already a cardholder?
* Offer applies to single-receipt qualifying purchases. 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: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter this offer at any time.
** On occasion, new account number may require additional applicant information and cannot be used without a physical credit card.
*** For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.
Visit mysynchrony.com to manage your account 24/7.
Frequently Asked Questions
You need a U.S. billing address and a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to apply. You will also be required to provide your date of birth, phone number, email address, and annual income. You must not have a security freeze on your TransUnion or Experian credit reports. Contact agencies directly to temporarily lift or permanently remove a freeze.
Experian: https://www.experian.com/freeze/center.html
TransUnion: https://www.transunion.com/credit-freeze
In some cases, Synchrony Bank may require additional identity verification after you submit your application. Please follow all directions to complete your credit card application.
What do I need to apply for the B&H Financing Credit Card?
Yes. You can retrieve your account number through one of the following methods:
Can I place an order with my B&H credit card if I don’t have my physical card with me?
Apply online via Synchrony’s secure site here. Or, you may apply in our NYC SuperStore. Credit approval is the sole decision of Synchrony Bank. B&H is not privy to, nor can we influence, Synchrony Bank’s credit decisions.
How do I apply for the B&H Financing Credit Card?
Yes. Learn more about managing your account on the MySynchrony website. Register and log in to:
You may also use the MySynchrony mobile app. Learn more here.
Can I check and manage my B&H Financing Credit Card account online?
There is at least a 23-day grace period from the close of each billing cycle. Please see your cardholder statement for your due date.
When is my payment due? Is there a grace period?
There are three convenient ways to pay your bill directly to Synchrony Bank.
Please do not send bill payments to B&H. B&H is not responsible for incorrectly addressed payments.
How can I make a payment on my B&H Financing Credit Card?
Please call Synchrony Bank Customer Service at 866.396.8254, or register/login to your account on the Synchrony website here to request a credit limit increase (click ‘Services’ at top, then ‘Credit Line Increase’).
What do I do if my approved credit limit is not enough? Can I request a credit limit increase?
If application is Approved for instant credit, you will receive a confirmation screen with your account number. Print/save this number to use your account before your card arrives by mail. You will NOT receive or be able to get your number from Synchrony or B&H by email or phone.
If application is Pending, you will receive a confirmation screen with phone number to call Synchrony to provide more info. In some cases, you may be asked to submit an image of yourself or government-issued ID through a secured third-party website to complete your application. If approved after additional verification, you may need to wait for physical card to arrive to use it.
If application is Declined, you will receive a confirmation screen indicating Synchrony is unable to approve and either the reasons why or a written notice by mail within 7-10 business days.
Online:
You may have saved your card to your B&H Profile during a previous purchase. To check, log into your account and go to My Account > My Payment Options. If your B&H credit card is not saved, you can retrieve your account number via text or phone method.
Text message:
Text BHLOOKUP to 94323 to retrieve your account number and available credit. Message & data rates may apply.
Phone:
Call B&H at 800.606.6969 to request that an agent look up your account number and place your order by phone. B&H will not provide the credit card account number directly to customers.
Pay Synchrony Online: Click here to login and make or schedule payments.
Pay Synchrony by Phone: Call Synchrony Bank Customer Service at 866.396.8254. Office Hours: Daily - 7:30am to 12:00 midnight EST
Pay Synchrony by Mail: Send payments to the address below.
Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061
• View your balance
• Make a payment
• Set up monthly autopayments
• Schedule up to your next 12 payments
• Update your account information
• Request a credit line increase
• Report lost/stolen card or account information
Can I use the card right away if I’m approved?
Yes, the card may be used to receive promotional financing offers on orders shipped internationally.
Can I use the B&H Financing Credit Card for international purchases?
No. Payments may be made with your checking account or debit card.
Can I pay my B&H Financing Credit Card bill with another credit card?
Call B&H Customer Service at 800.221.5743 to see what options are available.
Can I change the promotional financing on my order after I’ve placed my order?
Call B&H Customer Service at 800.221.5743 to see what options are available, based on the date of your previous order and shipping status of item(s) in your order
I just received my B&H Financing Credit Card; can I use it to apply financing to a previous order?
Once B&H has issued the refund, it can take between 3-5 business days to reflect in your account. Please note: if your billing due date is before the refund has processed, ensure you have made your minimum payments.
Synchrony will apply the credit to your account for approximately 60 days or 2 billing cycles. If the credit balance remains after this period, Synchrony will automatically mail a check for the remaining credit amount. You can call Synchrony customer service at time to request a check for the credit balance to be sent immediately. If your account has been closed, Synchrony will mail a check for the credit balance.
When will I see my refund after I return a purchase paid for with the B&H Financing Credit Card?
All currently available promotions are displayed on this webpage. From time to time, B&H may offer additional special promotions on qualifying purchases.
Does B&H offer longer financing periods than 12 or 6 months?
If I already paid off my credit card balance, what will happen to my refund?
Please refer to your terms & conditions for the most up to date information.
How is my minimum monthly payment calculated?
Minimum monthly payment is calculated as the sum of a + b below, as follows:
No. The B&H Financing Credit Card is a separate and distinct credit program that offers promotional financing offers. For more information on the B&H Payboo Card, click here.
Can I use the B&H Financing Credit Card to get Payboo savings?
Yes, you may make a single payment, schedule up to 12 payments, or set up ongoing Autopay on the MySynchrony website or mobile app. You may choose how much you would like to pay each month – the minimum payment due, the statement balance, or another amount. If you schedule payments or Autopay, please review your billing due date and the scheduled payment date information provided to ensure that you don’t miss any payments before your changes take effect.
Can I schedule or set up automatic payments for my B&H Financing Credit Card?
Yes, benefits will be applied proportionally to the amount paid for with each credit card, so long as your purchase on each card qualifies for promotional financing and Payboo savings. For instance, if your order is $1000, and you charge half ($500) to the Financing Card and the other half ($500) to the Payboo Card, then you may get the financing offer applicable to your $500 purchase (e.g. 6-Mos. Promo Financing on minimum purchase of $199) and Payboo savings on $500 (check savings based on zip code here). If you would like 12-Mos. Promo Financing, you must charge a minimum $599 to the Financing Credit Card.
If I split payment for my order between a B&H Payboo Credit Card and B&H Financing Credit Card, can I get promotional financing and Payboo savings?
No. Each credit card is a separate credit program and account and requires its own application and credit approval. Card benefits are not transferable. If you wish to apply for one of the programs while you have another, we recommend you do not close any accounts before completing your application.
Can I swap my B&H Payboo Credit Card for a B&H Financing Credit Card (or vice versa)?
1.
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•
2.
1.
2.
3.
The greater of:
i. $28; OR
ii. 3.5% of the new balance shown on your billing
statement; OR
iii. 1% of the new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle
PLUS any past due amounts
a.
b.
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Apply for the B&H Financing Credit Card
Looking for the B&H Payboo Credit Card?
Subject to credit approval.
Separate credit approval.
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Already a B&H Financing cardholder?
Visit mysynchrony.com to manage your account 24/7.
Can’t find your Account Number?
Text BHLOOKUP to 94323
Message & data rates may apply
Tip: During checkout you’ll have the option to save your B&H credit card to your account for future use (your credit card will only be saved once you have placed your order).
3.