Mitsubishi Electric Heating & Air Conditioning Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

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Max Reward

30%

APR From
Basic Information
PENDING

Program ID: mitsubishi-electric-heating-air-conditioning-credit-card

Issuer: Synchrony

Card Name: Mitsubishi Electric Heating & Air Conditioning Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:23

Last Scraped: Feb 17, 2026 06:25

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Access to promotional financing terms

Cardholders may qualify for special promotional financing on eligible purchases made with the Mitsubishi Electric Heating & Air Conditioning credit card. Specific terms and conditions, including interest rates and repayment periods, are subject to credit approval and vary by promotion. Consult participating retailers for current offers.

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: Special Financing

⚠️ If you do not pay the promotional balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the APR for Purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Mitsubishi Electric Heating & Air Conditioning credit card, issued by Synchrony, primarily offers promotional financing options rather than traditional sign-up bonuses. Eligibility requirements for application include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria, which generally requires good to excellent credit. The 'bonus rule' for this card refers to special financing offers, such as 0% APR for a specified period on qualifying purchases made at authorized Mitsubishi Electric Heating & Air Conditioning dealers. These offers are typically tied to specific purchase amounts or product categories and are applied at the point of sale.

Max Cards Per Issuer: 5

Min Spend Interval: N/A - Promotional financing based on purchase date

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, high credit utilization, suspected fraudulent activity, or significant adverse changes in credit profile.

Cliff Effect Rules: No known 'cliff effect' rules apply to Synchrony store cards in the traditional sense of card family benefits or downgrades. Benefits are specific to the individual card and its promotional offers.

Special Events: Seasonal HVAC promotions (e.g., spring AC maintenance specials, fall furnace checks, summer installation deals), energy efficiency rebates, and specific product launch promotions from Mitsubishi Electric.

Holiday Promos: Common promotional periods include Tax Season (January-April), Memorial Day (May), Independence Day (July), Labor Day (September), Black Friday/Cyber Monday (November), and End-of-Year sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Excellent for financing large HVAC purchases with promotional APR offers; Convenient way to manage payments for home improvements; Quick approval process for in-store use.

Top Negative:
High standard APR after promotional period; Limited use outside of Mitsubishi Electric dealers; Customer service can be difficult to reach or resolve issues; Can be difficult to get approved for if credit is not excellent.

Approval Experience: 68.0 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Discover it Cash Back
  • Citi Custom Cash

Card Value Score: 75.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0