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SYNCB/Amazon PLCC: What Is It And How To Remove From My Credit Report?

Written by Mike Pearson
Updated August 9, 2022

Applying for different forms of credit can result in a mark on our credit reports if credit checks are carried out. This can affect your credit temporarily.

If the credit you applied for is granted, it will have a long-term effect depending on what it is for, how much it is, and whether you keep up with regular payments.

Understanding how credit reports are affected and the companies that offer different forms of credit will help you to manage your credit score.

This article will provide all the information you need about SYNCB/Amazon PLCC, including who they are and their services. We will also discuss SYNCB Amazon credit report removal.

About SYNCB/Amazon PLCC

SYNCB/Amazon PLCC is a credit card offered by Amazon, and Synchrony Bank provides the Amazon Private Label Credit Card. You will probably have heard of Amazon as a multi-billion dollar retailer. It is recognized as being the largest publicly traded company in the world that also specializes in tech and has a popular streaming platform.

Many large online retailers offer several credit facilities, and Amazon is no different. There are two main credit card types that Amazon offers customers, which are the Amazon Rewards and Prime Rewards Visa from JPMorgan Chase and private-label secured cards and store cards from Synchrony Bank.

An Amazon Secured card can only be used with Amazon and requires a security deposit of between $100 to $1,000. Your credit limit will match this deposit. It is seen as an excellent way for Amazon customers to repair bad credit or build a credit history.

Amazon Store Cards can be used on Amazon affiliates and the Amazon site and offers rewards to customers that use them. There are two versions of the Amazon Store Card, the Prime Store Card for members with an Amazon Prime account and the regular Store Card for those without.

Seeing a mark on a credit report from SYNCB/Amazon PLCC indicates that you will have applied for a store card or secured card with Amazon. When applying for these SYNCB/Amazon cards, PLCC conducts a credit check that may also appear as SyncBank/Amazon.

Synchrony Bank affiliates

As the biggest private-label credit card supplier in the US, Synchrony Bank has partnerships with many significant brands.

Because of this, you might see SYNCB appear on credit reports, even if you have had no dealings with Amazon.

The Main Reasons SYNCB/Amazon PLCC Appears on Credit Reports

Not all appearances on a credit report will be harmful, but understanding why it is there will help you decide whether you want to try and get it removed or investigated. Here are the main reasons SYNCB/Amazon PLCC will appear on credit reports;

Having a credit account with Amazon

SYNCB/Amazon PLCC appears on credit reports for those with an existing credit agreement. Closed credit accounts would remain on credit reports for seven years if there were issues with missed payments or ten years for accounts with no issues.

Synchrony Bank ran a credit check

If you have applied for credit with SYNCB/Amazon PLCC, Synchrony Bank will conduct either a soft inquiry or a hard inquiry to find out whether they should offer credit facilities to you.

What is a Soft inquiry?

Soft inquiries can show on credit reports if someone is checking without you applying for credit. Unsolicited credit offers can carry out soft credit inquiries as part of a prequalification process to see if you would be accepted. Soft inquiries do not affect credit reports.

What is a hard inquiry?

Hard inquiries appear when you apply, and a company conducts a full check while reviewing the application. A hard inquiry can lower your score by a few points but will typically drop off after a couple of years. Hard inquiries typically won’t be removed from a credit report unless it can be proved it is there by mistake.

You have had your identity stolen

Keeping a close eye on credit reports and any credit you have applied for can make it easier to spot attempted identity theft.

Identity theft can be frustrating and distressing, but if you spot SYNCB/Amazon PLCC on credit reports and are confident this is not because of any actions you have taken, the following steps can help.

The first thing you should do is contact Synchrony Bank directly to make them aware that you have not authorized this and to get further details on the application. Here are the contact details for Synchrony Bank should you need to get in touch;

  • Synchrony Bank Phone Number – (866) 419 4096
  • Synchrony Bank Website –
  • Synchrony Bank Address – PO Box 965035, Orlando, FL 32896-5035

You should then report the attempted identity theft and fraudulent activity to the FTC (Federal Trade Commission). Identity theft reports and recovery plans can be generated at

You will then be able to contact any one of the major credit bureaus to place fraud alerts on your credit report. TransUnion, Experian, and Equifax all coordinate on matters such as fraud alerts.

Getting a credit lock or freezing credit until this is resolved can also minimize the risk of further developments occurring.

You should keep details on every step you take and monitor credit reports to ensure no further fraudulent activity occurs.

You are authorized on someone else’s credit account

If you are authorized on an Amazon credit account owned by someone else, there is a good chance that SYNCB/Amazon PLCC will show up on credit reports. You can be named on other people’s accounts, including;

  • Parent
  • Child
  • Business Partner
  • Spouse
  • Friend

This can benefit you if the main cardholder is responsible and pays bills on time, improving your credit score. Alternatively, if the main cardholder falls into arrears, misses payments, or closes the account without clearing debt, it can have a negative impact on your credit score.

If you are the primary cardholder and have an authorized user attached to it, you can impact the co-signer’s credit score. Because of this, conducting yourself responsibly is essential.

Will SYNCB/Amazon PLCC Impact a Credit Score?

If SYNCB/Amazon PLCC conducts a hard inquiry on your credit history, there will be a short-term impact that can lower your VantageScore by between 5 and 10 points and reduce FICO scores by as much as 5 points.

Typical credit scores will range between 300 and 850, so individual hard inquiries won’t have too devastating an impact. Continual hard inquiries will have a greater impact.

Open accounts will contribute to the credit utilization rate, and the credit length, payment history, and credit mix will all be contributing factors. Closed accounts will also have an impact on your credit report, typically for up to seven years.

Lenders can close dormant accounts, so it is worthwhile using it every so often just to keep it active.

Is SYNCB/Amazon PLCC Legitimate?

SYNCB/Amazon PLCC is legitimate, and their appearance on credit reports signifies an account or application for credit with Amazon.

It is possible SYNCB/Amazon PLCC will appear on a credit report through fraudulent activity and attempted identity theft. If you are confident that you have not applied for a credit facility with Amazon or any other Synchrony Bank affiliate, we will discuss how you can appeal this.

Removing SYNCB/Amazon PLCC From a Credit Report

There are a number of ways to try and remove SYNCB/Amazon PLCC from credit reports depending on your circumstances, including;

Sending dispute letters

If an SYNCB/Amazon PLCC item has been mistakenly added to a credit report, you can send credit dispute letters to Synchrony Bank to let them know should allow them to rectify the mistake.

Alternatively, you can send a letter to different credit bureaus if the error was made by them.

Sending a letter to both is the best way to ensure the matter is dealt with, as they will have to work together to investigate and rectify the matter.

The credit bureau will typically take between 30 to 45 days to thoroughly investigate and rectify any information on your credit report that is inaccurate.

Using credit repair company services

Credit repair companies are a great way to minimize the stress and time you would need to take dealing with credit bureaus or SYNCB/Amazon PLCC. They are especially useful if you do not feel confident or fully understand the processes.

You will be able to speak with credit repair professionals to try and remove SYNCB/Amazon PLCC from your credit report.


Is a credit facility essential for Amazon?

No, you do not need to apply for a credit facility to shop with Amazon or if you have an Amazon Prime account. If you are still interested in using credit for your Amazon order, you can investigate paying with a PayPal credit account or look at credit facilities offered by another financial institution.

Are Amazon credit cards worth it?

As with any credit card, there will be pros and cons. Using a credit card responsibly can help you build your credit score, but there is always the risk that you could miss payments or fall into arrears and damage your credit.

An Amazon Secured card has a number of benefits, including no annual fee, flexible credit limits, a low APR, and 2% cash back rewards for Amazon Prime members. The downside to this card is that a deposit is required, you can only use it with Amazon, and non-Prime members are excluded from rewards.

The Amazon Store Card offers excellent incentives, including a $60 bonus for joining and 5% cash back for Amazon Prime members. It does have a relatively high APR, though, and can only be used at Amazon or with Amazon affiliates.

How can I prevent identity theft?

Being careful with how you use your personal information online is essential to avoiding identity theft. Here are some of the best ways to minimize the risk:

  • Freeze your credit
  • Keep your social security number safe
  • Be aware of phishing scams
  • Use strong passwords
  • Use alerts from financial institutions
  • Regularly check emails
  • Properly dispose of physical information such as bank or credit card statements
  • Use a digital wallet
  • Use strong passwords and lock mobile devices
  • Regularly check your credit report
  • Regularly check financial statements

Final Thoughts

Applying for private label credit cards is something you should give strong consideration to. This is because the application process and how you use it will affect your credit report.

Credit cards can be useful and an excellent way to build a strong credit history, but they must be used responsibly.

As one of the largest online retailers in the world, many people will want to apply for a credit facility and will subsequently see SYNCB/Amazon PLCC on their credit report. Understanding the impact this will have and being aware of potential identity theft is essential if you want to ensure your credit history stays as healthy as possible.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.