California Closets® credit card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: california-closets-credit-card

Issuer: Synchrony

Card Name: California Closets® credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 17:19

Last Scraped: Feb 16, 2026 17:21

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) 3 Total
PENDING
Lifestyle 1
Online Account Management
N/A

Secure online access to manage the credit card account, view statements, make payments, set up alerts, and monitor activity through Synchrony Bank's online portal.

Security 1
Zero Fraud Liability
Full protection

Cardholders are not held responsible for unauthorized charges made with their California Closets credit card. This protection applies to purchases made in-store or online.

Shopping 1
Special Financing Offers
Varies by promotion

Access to promotional financing options, such as deferred interest or reduced APR, on qualifying purchases made at California Closets. Specific offers vary and are subject to credit approval and minimum purchase requirements.

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
Authorized User 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%

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 balance is not paid in full within 12 months.
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: The California Closets credit card, issued by Synchrony, primarily offers promotional financing for purchases made at California Closets locations. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's credit underwriting standards. There are no traditional sign-up bonuses with spend requirements. Instead, the 'bonus' is typically deferred interest or 0% APR promotional financing on qualifying purchases, subject to credit approval and specific terms (e.g., minimum purchase amount). If the promotional balance is not paid in full by the end of the promotional period, interest is usually charged from the original purchase date.

Max Cards Per Issuer: 5

Min Spend Interval: N/A

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown or adverse action include: missed or late payments, defaulting on promotional financing terms, rapid accumulation of multiple Synchrony credit lines, high cumulative credit exposure across Synchrony accounts relative to income/credit profile, significant adverse changes in creditworthiness (e.g., bankruptcy, large number of new accounts with other lenders), inactivity on the card for extended periods, or suspected fraudulent activity/abuse of terms. Manufactured spending is generally not applicable to this type of store card.

Cliff Effect Rules: Not applicable. The California Closets credit card is a standalone store-specific financing product and does not belong to a 'card family' with tiered benefits, application restrictions, or 'cliff effects' commonly found with premium travel or rewards cards.

Special Events: California Closets often runs specific in-store or online promotional events, such as seasonal design consultations, 'Dream Closet' sales, home organization events, or specific project financing offers. Cardholders may receive exclusive access to these promotions or enhanced financing terms during these periods.

Holiday Promos: Special financing offers or discounts are frequently available during major US holiday periods, including but not limited to: Memorial Day, Labor Day, Black Friday, Cyber Monday, Christmas/New Year, and sometimes during spring cleaning or back-to-school seasons.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Offers special financing for large home improvement projects; convenient application process; allows for budget flexibility.

Top Negative:
High deferred interest if not paid in full; poor customer service from Synchrony Bank; difficult to resolve billing issues; high standard APR.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited (0% Intro APR)
  • Lowe's Advantage Card (Home Improvement)
  • Personal Loan (Fixed Payments)

Card Value Score: 55.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 26, 2023 00:00