Closet Works™, in conjuction with Synchrony Financial, offers a deferred interest Synchrony Bank credit card account to qualified buyers to be used for the purchase of a new Closet Works™ closet or other organization system. There are no interest charges if the balance is paid in full by the end of the financing period. Eligibility is determined by Synchrony Financial after reviewing your application.
The financing is in the form of a credit card. You may finance all or part of your purchase with the deferred interest card.
This is a Deferred Interest bank credit card and there is NO INTEREST IF PAID IN FULL WITHIN THE 6 or 12 MONTH PROMOTIONAL PERIOD. Interest at the rate of 29.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 29.99% you must pay the total promotional purchase amount within the promotional period.
STEP 1: Please follow these guidelines when completing your application:
STEP 2: Please download, complete, sign and return the application:
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||29.99%||Minimum Interest Charge||If you are charged interest, the charge will be no less than $2.||For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.||Fees||Penalty Fees:
|Up to $37.00|
How Your Balance Will Be Calculated: Synchrony uses a method called "daily balance". See your credit card account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card account agreement.
The information about the costs of the card described above is accurate as of April 26, 2016. This information may have changed after that date. To find out what may have changed, write to Synchrony at P.O. Box 965033, Orlando, FL 32896-5033. Your application and the credit card agreement will be governed by federal law, and to the extent state law applies, the laws of Utah. Subject to the requirements and limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including the interest rates, fees and charges and Synchrony will send you notice as required.