SYNCB DISCOUNT TIRE CREDIT CARD PAYMENT OPTIONS

The Discount Tire Credit Card is issued by Synchrony Bank (“SYNCB”). This credit card is a special financing card that has three different special financing offers: 6 months interest free on purchases between $199 and $999, 9 months interest free for purchases between $1,000 and $1,499, and 12 months interest free for purchases of $1,500 or more.

SYNCB Discount Tire Credit Card Rates and Fees

Annual Percentage Rate (APR) for Purchases29.99%
Daily Interest Rate0.08216%
Minimum Interest Chargeno less than $2
Late Payment Fee$27 or $38
Card Security Debt Cancellation Fee$1.66 per $100 of your monthly ending balance

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With this syncb/discount tire card you’ll get access to a variety of bill payment options: online payment, phone payment, mail payments, and physical payments at certain licensed merchants/dealers/retailers. All payments must be made in US dollars by money order, physical or electronic check, or a similar method used by a US bank.

Discount Tire Credit Card Payments must be made by 5PM on the due date of your billing cycle. Any payments made after 5PM will be credited to the next day. You may at any time make a prepayment for part or all of the balance without paying any prepayment fees.

Synchrony Bank reserves the right to apply your minimum total payment to your account balances in any way they choose. Any amount over your minimum required payment will be applied to higher APR balances first, unless laws allow Synchrony Bank to allocate your money differently, such as in the case of a special promotion.

REGISTERING FOR DISCOUNT TIRE CREDIT CARD ONLINE SERVICES

If you’ve never made your Discount Tire Credit Card payments online you’ll need to register for their online services before you can do so. You can sign up for their online services by going to the Discount Tire Credit Card login page and following the instructions below:

  • Click on the “Hello, log into your account” button in the top right corner of the page
  • Click on the green “Register” button on the right side of the screen under the login box

https://www.mysynchrony.com/mysynchrony/merchants/cmp-index.html?market=automotive&store=discounttire

  • Enter your account number, NOT your credit card number, in the first box on the next page (you can find this at the top of any of your credit card statements)
  • Type in the last 4 digits of your social security number
  • Add your birthday and click “Continue”

https://consumercenter.mysynchrony.com/consumercenter/registeraction.do

  • Follow any further instructions provided by the website. You will have to create login information and verify your email address.

DISCOUNT TIRE CREDIT CARD PAYMENT ONLINE

Now that you’ve registered for your Discount Tire Credit Card online account you can pay your bills easily by going back to the Discount Tire Credit Card login page and following the instructions below:

  • Click on the “Hello, log into your account” tab in the top right corner
  • Use the login box that appears on the right side of the page to sign into your account

https://www.mysynchrony.com/mysynchrony/merchants/cmp-index.html?market=automotive&store=discounttire

  • Find and click on the “Make a Payment” link
  • Type in the amount you want to pay
  • Select whether you want to schedule recurring payments (you can set recurring payments up on a weekly or monthly basis) or make a one-time payment
  • Add your banking information
  • Review your payment information and submit if everything looks correct.

OTHER SYNCB/DISCOUNT TIRE CREDIT CARD PAYMENT METHODS

Discount Tire understands that some customers don’t really like using online bill payment and that sometimes you just don’t have internet access, so they offer other payment methods as well. You can find instructions for each payment method listed below.

PAY BY PHONE

  • Make sure you have your Discount Tire Credit Card readily available as well as your most recent billing statement and your banking information (including your routing number)
  • Call [su_button url=”tel:+18663968254″ target=”blank” style=”stroked” background=”#efa62d” size=”7″ radius=”round” icon=”icon: phone”]1-866-396-82-54[/su_button]
  • Choose to either speak with a customer service agent or use the automated system
  • Follow any instructions provided by the automated system or customer service agent.

DISCOUNT TIRE CREDIT CARD PAYMENT ADDRESS

You can also pay your bills by mailing a check or money order to the following address:

Synchrony Bank
P.O. Box 960061
Orlando, FL, 32896-0061

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When Interest Is Charged

You will be charged interest from 23 days after non-promotional purchases are made until the purchase is paid in full unless you meet one of the following conditions:

  • You had no balance when the billing cycle started
  • You had a balance at the beginning of the billing cycle and paid the balance in full before the end of the billing cycle.

Interest on promotional purchases starts immediately after the purchase is made.

Synchrony Bank will credit any payment you make before the due date (23 days after non-promotional purchases are made) to non-promotional purchases if you meet one of the following conditions:

  • Your balance was zero at the beginning of the billing cycle
  • You had a balance when the billing cycle started and paid it in full by the end of the billing cycle.

How Interest Is Calculated

Synchrony Bank calculates your interest separately for each type of balance. Purchases and balances subject to plans, special promotions, or different interest rates, are calculated as a separate daily balance.

How the daily balance is calculated

Each day Synchrony Bank takes the starting balance on your SYNCB/Discount Tire credit card, adds any new charges and fees, then subtracts any payments, which gives them your daily balance. Debt cancellation fees and late payment fees are treated as new purchases.

How the daily interest is calculated

Once your balance is calculated Synchrony Bank multiplies the daily balance by the applicable daily interest rate. This amount is added to your starting balance the next day.

How interest is calculated for the billing cycle

At the end of each billing cycle your daily interest charges are added up and applied to your balance. The minimum interest charge for carrying a balance is $2.00.

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A late payment fee will be charged if you do not make the minimum required payment on your SYNCB/Discount Tire credit card by 5PM on the due date. If you have paid on time for the past six billing cycles you will be charged $27. If any of the last 6 payments you made were late you will be charged $38. The late payment fee will not be more than the minimum required payment for that month.

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The program fee is $1.66 per $100 of your monthly ending balance and is automatically billed each month.

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Your minimum payment will be calculated based on your new balance at the beginning of a billing cycle (excluding all promotional purchases which are calculated separately) and will be the greater of:

  • $25
  • 5% of the new balance shown on your billing statement
  • The total of 1% of your new balance plus interest and late payment fees charged in the current billing cycle

Any previously due amounts and/or charges connected to a promotional purchase with a special interest rate will then be added to the minimum payment.

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DISCOUNT TIRE CREDIT CARD PAYOFF CALCULATOR

Discount Tire Credit Card Calculator

This calculator allows you to calculate how long would it take you to pay off Discount Tire Credit Card based on stated APR and your desired monthly payments

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Table

Monthly Payment: $100
Credit Card Balance: $2500
DIscount Tire APR: 26%
Total Months to Pay Off Credit Card: 36
Total Interest Paid: $1139.60

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Kudospayments and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Kudospayments is not responsible for any human or mechanical errors or omissions.

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