ABC Warehouse Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: abc-warehouse-credit-card

Issuer: Synchrony

Card Name: ABC Warehouse Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:28

Last Scraped: Feb 15, 2026 16:11

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
$0 Annual Fee

The ABC Warehouse Credit Card does not charge an annual fee for card membership.

Security 1
Online Account Management
24/7 Online Access

Cardholders have 24/7 access to manage their account online through Synchrony's secure portal, allowing them to view statements, make payments, and update personal information.

Shopping 1
Special Financing Offers
Varies by promotion (e.g., 6, 12, 18, 24 months)

Cardholders can take advantage of special financing promotions on qualifying purchases made at ABC Warehouse. These offers typically involve deferred interest, where no interest is charged if the promotional balance is paid in full within the specified promotional period. Minimum purchase amounts and specific terms apply.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$50

Cash Back

Requirement: Spend $299

Timing: Discount applied at time of first purchase.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Good to excellent credit score is recommended for best approval odds, though applicants with fair credit may be considered based on overall financial profile and income verification. Bonus Rule: Receive 15% off your first abc-warehouse purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, special financing offers (e.g., 0% APR for 6, 12, or 18 months) are available on qualifying purchases over $299. Application Rules: Subject to credit approval. Instant decision often available online or in-store.

Max Cards Per Issuer: 4

Min Spend Interval: N/A for first purchase discount; 3 months for any potential future spend-based bonus offers.

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, rapid succession of applications, excessive credit seeking behavior, default on other Synchrony accounts, prolonged account inactivity.

Cliff Effect Rules: Synchrony is sensitive to overall credit exposure. While there isn't a strict 'card family' rule, applying for too many Synchrony cards or accumulating a high total credit limit across their products can lead to application denials, credit limit reductions, or account closures. New applications may be denied if recent credit inquiries are too high or if existing Synchrony accounts are not in good standing.

Special Events: Annual Member Appreciation Days (Spring/Fall), Black Friday Preview Sales, Seasonal Clearance Events, Exclusive Cardholder-only Shopping Hours.

Holiday Promos: Black Friday/Cyber Monday (November), Christmas/New Year (December), Memorial Day (May), Labor Day (September), 4th of July (July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval process, especially for those with fair credit. Offers special financing promotions on large purchases at ABC Warehouse. Exclusive discounts and promotions for cardholders.

Top Negative:
Very high standard APR after promotional periods. Deferred interest can be a trap if the balance isn't paid in full. Limited use outside of ABC Warehouse. Customer service can be difficult to reach or unhelpful.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Platinum Secured Card
  • Wells Fargo Reflect Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0