Payboo Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bh-financing-credit-card

Issuer: Synchrony

Card Name: Payboo Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:51

Last Scraped: Feb 16, 2026 16:53

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
Shopping 3
Instant Sales Tax Savings
Equivalent to sales tax amount

Cardmembers instantly save the sales tax on purchases made at B&H Photo. The amount equivalent to the sales tax is applied as an instant discount at the time of purchase.

6-Month Special Financing
6 months no interest

No interest if paid in full within 6 months on qualifying purchases. Minimum monthly payments are required. Interest will be charged to the account from the purchase date if the promotional balance is not paid in full within 6 months.

12-Month Special Financing
12 months no interest

No interest if paid in full within 12 months on qualifying purchases. Minimum monthly payments are required. Interest will be charged to the account from the purchase date if the promotional balance is not paid in full within 12 months.

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
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required.
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 for the bh-financing-credit-card requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit). Income verification may be required. This card is primarily a store-specific financing option, offering special financing promotions (e.g., 0% APR for X months on qualifying purchases) rather than traditional points or cash-back sign-up bonuses. An initial discount on the first purchase is a common incentive. Usage is restricted to the specific 'bh' retailer and its associated platforms.

Max Cards Per Issuer: 3

Min Spend Interval: Not applicable in the traditional sense; bonuses are typically immediate (first purchase discount) or tied to the duration of special financing offers.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit limit increase requests, opening multiple new Synchrony accounts in a short period (app spree), late payments on any Synchrony account, significant derogatory marks on credit report, prolonged inactivity (can lead to account closure), and abnormal spending patterns that deviate from typical retail purchases.

Cliff Effect Rules: Traditional 'cliff effect' rules, which prevent bonuses based on prior card ownership within a specific product family, do not typically apply to individual Synchrony store cards. However, Synchrony assesses overall credit exposure across all its issued cards. Holding numerous Synchrony accounts with high credit limits can indirectly limit approvals for new Synchrony cards due to internal risk management policies.

Special Events: Exclusive cardholder discounts, birthday offers, double/triple points days (if a rewards program is integrated), early access to sales, and special financing promotions tied to specific product categories or spending thresholds at the 'bh' retailer.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day/Father's Day, Back-to-School, and other seasonal sales events (e.g., Spring, Summer, Fall clearances).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Instant sales tax refund is a significant saving on expensive electronics and photo/video gear, effectively providing a 5-10% discount on B&H purchases.

Top Negative:
Card is only useful at B&H, no rewards elsewhere. Some users report issues with Synchrony customer service and potentially low initial credit limits.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • PayPal Cashback Mastercard
  • Citi Double Cash Card
  • Amazon Prime Rewards Visa Signature

Card Value Score: 85.0 / 100

Est. Annual Rewards: $210.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 02/2024