Baby Lock Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: baby-lock-credit-card

Issuer: Synchrony

Card Name: Baby Lock Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:06

Last Scraped: Feb 16, 2026 16:08

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

Quarterly Rotating: No

Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotion

Cardholders can access special financing promotions on eligible Baby Lock purchases made with the Baby Lock Credit Card. These offers are subject to credit approval and require minimum monthly payments. Specific financing terms, such as deferred interest periods, vary by promotion and are available at participating Baby Lock retailers.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

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

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12, 18, 24, 36, 48 or 60 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the Baby Lock Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Expect offers such as 0% APR for X months on qualifying Baby Lock purchases over a certain amount (e.g., $500, $1000) or reduced APR financing for longer terms on specific product categories. These promotions are subject to change and specific terms will be disclosed at the time of purchase or promotion. Standard APR applies if promotional terms are not met. Eligibility requirements include being a U.S. resident, 18 years or older (19 in AL and NE), possessing a valid Social Security Number or ITIN, and meeting Synchrony's creditworthiness criteria, which involves a review of credit history, income, and existing debt. Card use is strictly restricted to purchases made at Baby Lock authorized retailers (in-store and online) within the USA.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for traditional sign-up bonus. Promotional financing offers typically require the qualifying purchase to be made within a specific promotional period, and the balance must be paid in full by the end of the promotional term to avoid deferred interest.

Shutdown Risk Triggers: Missed or late payments on any Synchrony account, high cumulative credit limit across multiple Synchrony cards relative to income, significant increase in credit utilization across all credit lines, bankruptcy or severe derogatory marks on credit report, suspected fraudulent activity or misuse of the card (e.g., attempting to use it outside Baby Lock), extended periods of inactivity followed by large purchases.

Cliff Effect Rules: Synchrony does not have 'card family' rules like some prime issuers. However, approvals for new Synchrony cards (including other store cards) are heavily influenced by a customer's overall credit exposure with Synchrony. A high total credit limit across existing Synchrony accounts can make it more difficult to be approved for additional Synchrony cards, regardless of the specific store brand, due to issuer-wide risk assessment.

Special Events: Baby Lock specific sales events (e.g., 'National Sewing Month Sale', 'Quilting Extravaganza'), new product launches (e.g., new sewing machine models, embroidery machines), anniversary sales for Baby Lock or specific retailers, in-store workshops and events that may offer special financing.

Holiday Promos: Spring/Summer (Mother's Day, Father's Day, Memorial Day, 4th of July sales), Fall/Winter (Labor Day, Black Friday/Cyber Monday, Christmas/Holiday Season, New Year's sales), Seasonal (Back-to-School for craft/sewing supplies, End-of-Year clearance).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.0 / 5.0

Top Positive:
Enables large purchases with promotional financing; quick and easy application process.

Top Negative:
High standard APR after promotional period; frequent complaints about customer service and billing errors; limited utility outside of Baby Lock.

Approval Experience: 60.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Wells Fargo Reflect Card
  • Chase Freedom Unlimited

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: 2024-03-01