How do you settle a credit card debt with a credit card company like synchrony?

settle a credit card debt

If you want to settle a credit card debt with a credit card company like Synchrony, you can follow these steps:

  1. Check your account balance: First, you need to know the total amount of debt you owe to Synchrony. You can check your account balance online or by calling their customer service.
  2. Contact Synchrony: Call Synchrony’s customer service and inform them that you want to settle your credit card debt. You may have to go through a few automated prompts before you get to speak with a representative. Be prepared to provide your account number, the amount you owe, and the reason why you cannot pay the full balance.
  3. Negotiate a settlement: Once you’re connected with a representative, explain your financial situation and request a settlement offer. You can negotiate with them to get the lowest settlement amount possible. Keep in mind that Synchrony may not agree to a settlement, but it’s worth a try.
  4. Get the agreement in writing: If you agree to a settlement offer, ask the representative to send you a written agreement that outlines the terms of the settlement. Make sure you read the agreement carefully and understand all the terms before signing it.
  5. Make the payment: After you sign the settlement agreement, you’ll need to make the payment according to the terms of the agreement. Once Synchrony receives your payment, they will consider your debt settled.
  6. Follow up: After settling your debt, follow up with Synchrony to make sure they’ve updated your account and that there are no remaining balances or charges. You can also request a confirmation letter from them stating that your debt has been settled.


If you have any questions about the topic discussed in this article, or any bankruptcy law matter, please give us a call at Bononi & Company 724-832-2499.


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