Credit is extended by Synchrony Bank,
**Married Wisconsin Residents only:
If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.
By signing and submitting this application you authorize Synchrony Bank ("SYNCB") to contact you at each phone number you have provided. By providing a cell phone number and / or email address, you agree to receive account updates and information, including text messages from SYNCB and the dealers / merchants / retailers that accept the Card. Standard text messaging rates may apply.
Joint Applicant: You agree that we send notices to you and / or applicant's address, regardless of whether you live at the address.
By applying for this account, I am asking Synchrony Bank ("SYNCB") to issue me a SYNCB credit card (the "Card), and I agree that:
- I am providing the information in this application to SYNBC and to the dealers / merchants / retailers that accept the Card and program sponsors (and their respective affiliates). I also provide my consent for SYNCB to provide information about me (even if my application is declined) to dealers / merchants / retailers that accept the Card and program sponsors (and their respective affiliates) so that they can create and update their records, and provide me with service and special offers.
- SYNCB may obtain information, including employment and income information, from others about me (including requesting reports from consumer reporting agencies and other sources) to evaluate my application, and to review, maintain, or collect my account.
- I consent to SYNCB, and any other owner or servicer of my account, contacting me about my account, including text messages, automatic telephone dialing systems and / or artificial or prerecorded voice calls for informational, servicing or collection related communications, as provided in the Address / Phone Change and Consent To Communications provisions of the SYNCB credit card agreement ("Agreement"). I also agree to update my contact information.
- I have received, read and agree to the credit terms and other disclosures in this application, and I understand that if my application is approved, the Agreement will be sent to me and will govern my account. Among other things, the Agreement: (1) includes a resolving a dispute with arbitration provision that limits my rights unless I reject the provision by following the provision's instructions; and (2) makes each applicant responsible for paying the entire amount of the credit extended.
Federal law requires SYNCB to obtain, verify and record information that identifies you when you open an account. SYNCB will use your name, address, date of birth, and other information for this purpose.
If you applied with a Joint Applicant, each of you will be jointly and individually responsible for obligations under the Agreement and by signing above, you each agree that you intend to apply for joint credit.