What is this charge on my credit card? Synchrony on credit card statements (2024)

Written by Jemina Owen-Jones

June 18th, 2024

Synchrony has been in business since 2003. It is a financial services company that specializes in consumer financing for different types of retail products. These include products related to health, auto parts, electronics, appliances, home improvement, sport gear, travel, and more. In addition to retail products, they also provide promotional financing and credit card programs. They work with a large network of national and regional retailers.'

Other ways this charge from Synchrony can appear

Synchrony transactions on your credit card statement can appear in various ways, depending on the specific transaction and how it was processed. Here are some common descriptors you might see for Synchrony charges:

SYNCB PHONE PAYMENT
SYNCHRONY BANK BILL PAYMENT
SYNCHRONY BANK CC PYMT
SYNCHRONY BANK
SYNCB PHONE PAYMENT GA 07/19
SYNCB PHONE PAYMEN800-292-7508 G
EXTERNAL WITHDRAWAL SYNCHRONY BANK - CC PYMT
SYNCHRONY BANK PAYMENT PPD ID: 1061537262
SYNCHRONY BANK PAYMENT
Web Authorized Pmt Synchrony Bank
ACH Debit - Synchrony Bank Payment 4220268
SYNCHRONY BANK MTOT DEP 534812028427553
ACH Debit - Synchrony Bank Cc Pymt 2100002
Synchrony Bank Credit Card
TYPE: CC PYMT ID: 9856794001 CO: Synchrony Bank NA
SYNCHRONY/AMAZON ONLINE PMT
SYNCHRONY BANK PAYMENT \WEB ACH Debit
Synchrony Bank CC PYMT 601919129216027 WEB ID: 985
SYNCHRONY BANK DES:PAYMENT ID:XXXXXXXXXX43686 INDN
ACH/Synchrony Bank - CC PYMT
ACH Debit - Synchrony Bank Online Pmt 12114128
SYNCHRONY BANK PAYMENT JONES
Synchrony Bank CC PYMT 603462335140279 WEB ID: 985
ACH TRANSACTION SYNCHRONY BANK CC PYMT
Electronic Withdrawal Synchrony / Bank - CC PYMT
SYNCHRONY BANK 9856794001 WEB 650172054122208 CC P
SAMDISCPAY SCDIS SYNCB 5560531101136401 ACH CORP D
Synchrony Bank CC PYMT 650270140711795 WEB ID: 985
Synchrony Bank DES:CC PYMT ID:XXXXXXXXXX02587 INDN
SYNCHRONY BANK 9856794001 WEB 601918388438043 CC P
CC PYMT Synchrony Bank 601918382943452 INTERNET PA
SYNCB PAYMENT
External Withdrawal SYNCHRONY / BANK - PAYMENT
TYPE: Payment CO: SYNCB Phone
CC PYMT Synchrony Bank 601918301849948 INTERNET PA
SYNCHRONY BANK INT TRNSF PPD ID: 9123123123
SYNCHRONY BANK CREDIT CARD Bill Payment
Synchrony Bank CC PYMT 601918368755676 WEB ID: 985
Synchrony Bank CC PYMT 601918343965483 WEB ID: 985
PAYMENT SYNCHRONY BANK
WITHDRAWAL ACH SYNCHRONY BANK TYPE: PAYMENT CO: SY
Synchrony Bank CC PYMT XXXXXXXXXXX806X
Synchrony Bank CC PYMT 601918345719007 WEB ID: 985
Synchrony Bank CC PYMT 603462334741065 WEB ID: 985
SYNCHRONY BANK 9856794001 WEB 603462450460706 CC P
Synchrony Bank CC PYMT 601918303563541 WEB ID: 985
CC PYMT Synchrony Bank 603462472853656 INTERNET PA
Synchrony Bank CC PYMT 601918327056171 WEB ID: 985
650172382110400 ACH Electronic Debit - Synchrony B
PAYMENT SYNCHRONY BANK WEB 1061537262
AUTOMATIC DEBIT SYNCHRONY BANK CC PYMT
Synchrony Bank CC PYMT 419509200982678 WEB ID: 985
CC PYMT SYNCHRONY BANK 9856794001
EXTW Synchrony Bank - CC PYMT
ACH Payment SYNCHRONY BANK PAYMENT
650270140712400 ACH Electronic Debit - Synchrony B
SYNCHRONY BANK PAYMENT XXXXXXXXXXXX734
PAYMENT TO SYNCHRONY BANK/603462111055274
Synchrony Bank CC PYMT 650159004090604 WEB ID: 985
SYNCHRONY BANK PAYMENT 601918384394333 WEB ID: 106
SYNCHRONY BANK PAYMENT 601919128711647 WEB ID: 106
SYNCHRONY BANK PAYMENT 601918210865250 WEB ID: 106
SYNCHRONY BANK PAYMENT 601918302891459 WEB ID: 106
CC PYMT Synchrony Bank 601919304811914 INTERNET PA
SYNCHRONY BANK PAYMENT 601919123914178 WEB ID: 106
SYNCHRONY BANK PAYMENT 524306000147961 WEB ID: 106
602052281769608 SYNCHRONY BANK PAYMENT
SYNCHRONY BANK PAYMENT 601918382854383 WEB ID: 106
WITHDRAWAL PAYMENT SYNCHRONY BANK XXXXX 382730718
CC PYMT SYNCHRONY BANK WEB
ACH/eBill Withdrawal SYNCHRONY / RFS MONEYLINE EXP
SYNCHRONY BANK PAYMENT 601918386242850 WEB ID: 106
ACH Withdrawal COMPANY: SYNCHRONY BANK ENTRY: PAYM
SYNCHRONY BANK PAYMENT 601918366019003 TEL ID: 106
Synchrony Bank CC PYMT 601918368513838 WEB ID: 985
SYNCB Phone TYPE: Payment ID: 330 CO: SYNCB Phone
SYNCHRONY BANK DES:PAYMENT ID:XXXXXXXXXX47995 INDN
ACH Electronic Debit - Synchrony Bank CC PYMT 6019
SYNCHRONY BANK PAYMENT 602052244804064 WEB ID: 106
SYNCHRONY BANK MTOT DISC 534812028427553
Synchrony Bank CC PYMT 601918362407585 WEB ID: 985
Synchrony Bank CC PYMT 601918385826171 WEB ID: 985
Synchrony Bank CC PYMT 601918349831823 WEB ID: 985
SYNCHRONY BANK PAYMENT 601919390415407 WEB ID: 106
SYNCHRONY BANK - / 601918232236200 - PAYMENT : ACH
SYNCHRONY BANK PAYMENT 601918368927138 WEB ID: 106
SYNCHRONY BANK PAYMENT XXXXXXXXXXX0157
PAYMENT SYNCHRONY BANK WEB
SYNCHRONY BANK PAYMENT 601918350301773 WEB ID: 106
CC PYMT Synchrony Bank ID9856794001
Synchrony Bank CC PYMT 601918344594329 WEB ID: 985
Synchrony Bank CC PYMT 601918348194263 TEL ID: 985
SYNCHRONY BANK PAYMENT 601918234727437 TEL ID: 106
SYNCHRONY BANK PAYMENT 603459009132145 WEB ID: 106
SYNCHRONY BANK PAYMENT 650159008668077 TEL ID: 106
Synchrony Bank CC PYMT 601918388857481 WEB ID: 985
SYNCHRONY BANK PAYMENT 601918387903983 WEB ID: 106
DIRECT WITHDRAWAL, SYNCHRONY BANK CC PYMT
Synchrony Bank CC PYMT 601918343920808 WEB ID: 985
Point Of Sale Withdrawal SYNCB / PHONE PAYMENT
ACH/SYNCHRONY BANK - PAYMENT
SYNCB Phone

It's important to note that the exact descriptor on your credit card statement may vary, and these are just some common examples. If you ever have a question about a specific charge, you can usually find more details in your Synchrony account's order history or contact Synchrony customer support for assistance. Additionally, always keep an eye on your credit card statements to ensure that all charges are legitimate.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which you can finding by searching in your email accounts for.

Or, if you want to automatically find and reconcile receipts so you never worry about fraud, you can use SimplyWise to automatically match all bank and credit card transactions to email and paper receipts. The app instantly reconciles your expenses and flags anything that doesn't match.

STEP 1

Connect your Email

Download the SimplyWise app and connect your email account. SimplyWise will search through your emails and find all the receipts in your inbox. This allows you to understand what exactly you are paying for when you see a bank transaction on your statement.

STEP 2

Connect Your Bank

Connect to your bank account/credit card transactions through the secure (256 bit encryption) Reconciliation feature within the app.

STEP 3

Reconcile

Reconcile the charges reported by your financial institution against what you've recorded in your SimplyWise account. Find fraud quickly! SimplyWise will match your transactions to your bank/credit card spending and check those items off.