Synchrony Pay Later offers an easy way for you to buy things and pay for them over time instead of all at once. They have options like "Pay in 4" or "Pay Monthly" where you split your purchase into smaller, preset payments that come out automatically on set dates. This service is often used for online shopping and some stores, and can help manage your budget by spreading out costs. If you see a charge from Synchrony Pay Later, it's likely because you're paying off one of these installment plans.
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Canceling a subscription or membership with Synchrony Pay Later requires calling customer service and providing account details. The process is straightforward but requires waiting on the phone and confirming cancellation, which places it in the medium difficulty range.
Estimated Time
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10 minutes
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minutes to cancel a Synchrony Pay Later subscription.
How to Cancel Synchrony Pay Later: Step by Step
If you purchased through Synchrony Credit Card:
- Call customer service at 1-877-295-2080 or use the number on the back of your card.
- Ask the representative to cancel your credit card subscription.
- Confirm cancellation by checking your account status or following up with customer service.
Tips & Tricks for Canceling Synchrony Pay Later
- Call customer service directly using the number on your statement or 1-877-295-2080 and provide detailed account info to request cancellation.
- Persistently follow up after the initial cancellation request to confirm the subscription or billing has actually been stopped.
- Request a new card number if you keep getting charged after cancellation to stop recurring payments without notifying merchants.
- Use clear, firm language like "I want this subscription fully cancelled immediately, and no further charges processed."
- Escalate to a supervisor or manager if frontline reps are unhelpful or refuse to cancel.
- Document every call with date, time, and the representative’s name for potential disputes.
- Cancel any linked subscriptions separately (e.g., merchant services like Microsoft 365) to ensure no further billing through Synchrony.
- Freeze or close the card/account to stop ongoing charges when other methods fail.
- File complaints with consumer protection agencies like consumerfinance.gov if you hit dead ends or unauthorized charges persist.
- Timing your cancellation just before billing cycle dates can help avoid additional charges.
- Check account statements regularly for unknown charges and address them quickly with customer service.
- Social media escalation (posting on official Synchrony Twitter/Facebook pages) sometimes prompts faster resolution.
Synchrony Pay Later Customer Service Info
If you need assistance, here's how you can get in touch with Synchrony Pay Later's support team.
Cancel Synchrony Pay Later Script
Script
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Dear Synchrony Pay Later Customer Service,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Synchrony Pay Later. Due to personal financial changes, I am unable to maintain this subscription at this time.
I would appreciate your assistance in processing this cancellation as soon as possible. Thank you for your understanding.
Best regards,
Frequently Asked Questions
Synchrony Pay Later's cancellation policy states that cancellations of transactions before receipt are subject to the merchant’s order cancellation policy, so you must contact the merchant to cancel. For returns, all are subject to the merchant’s return and cancellation policy. If a full return is made within 45 days of the loan opening, you receive a complete refund including any interest paid; after 45 days, only the principal balance is refunded. There is no prepayment penalty for paying off loans early.
To cancel your Synchrony Pay Later subscription, you will need to call their customer service at 1-877-295-2080 and provide your account details to request cancellation. It does not explicitly mention needing your password for cancellation during the call. However, having your account login details or password might be helpful for identity verification. If you do need to reset your password, you can do so here: https://auth.synchronybank.com/account/forgot-password.
- Unexpected charges or fees despite free trials.
- Automatic payment cancellations during service upgrades causing inconvenience.
- Account closures due to proprietary risk analysis and perceived high risk of non-payment.
- Negative customer service experiences, including harassment or poor communication.
- Account practice disagreements, such as increased owed amounts and disagreement over credit reviews.
- Difficulty in refunds or disputes over non-refundable charges.
- Billing errors or confusing statements leading to mistrust or dissatisfaction.
- Hardship-related payment issues not accommodated adequately by Synchrony.
Synchrony Pay Later does not charge fees or penalties for canceling or prepaying your loan, but all cancellations and returns are subject to the merchant’s return and cancellation policies. If you do a full return within 45 days of the loan opening, you get a complete refund including interest, but if done after 45 days, you only get a refund of the principal and not the interest. Be aware that partial returns reduce your principal balance but you still owe the remaining principal and interest; also, cancellations must be handled through the merchant before you receive the items.
Before cancelling a Synchrony Pay Later loan, know that your loan will automatically close once the final payment is made and the balance is zero. There are no penalties or fees for paying off the loan early in full or in part. Cancelling orders tied to the loan must follow the merchant's cancellation policy, and all returns or refunds depend on the merchant's policies as well. Importantly, there is no option to cancel the debt itself, so you remain responsible for payments based on your loan terms. If you need any assistance or to manage payments, it's best to contact customer service or use paylater.syf.com.
- Account holder's full name
- Account number or Synchrony Pay Later card number
- Associated email address for the account
- Associated phone number on file
- Billing address tied to the account
- Details of the subscription, membership, or bill to be cancelled (such as plan/product name)
- Last four digits of SSN (may be requested for identity verification)
- Reason for cancellation (if asked)
- Access to Synchrony Account Manager online (for canceling Autopay or managing scheduled payments)
- Ability to contact customer service: Phone (1-877-295-2080 or 1-844-373-4960 for Pay Later)
- Confirmation or reference number after cancellation (for your records)
We've actually written a step by step guide on how to get a refund from Synchrony Pay Later. Check it out!
The Easiest Way to Cancel Synchrony Pay Later
If you’re frustrated trying to cancel your subscription, membership, or bill from Synchrony Pay Later—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Synchrony Pay Later?
Synchrony Pay Later, Synchrony Bank Pay Later, SYNCB Pay Later, Synchrony Pay Later Installment, SYNCB PL, Synchrony Pay Later Payment, Synchrony Deferred Interest Charge
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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