Frequently Asked Questions

1. What happens if I don't qualify for the initial financing offer?
   • If you do not qualify for the initial financing offer, you may be presented with subsequent opportunities by another financing provider that can be used to complete the purchase (which may be subject to credit approval). Two Birch works with multiple financing providers to present you with financing solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the payment solution that you choose to complete your purchase (subject to credit availability). If you decline any opportunity presented, you will be brought back to the checkout process where you can proceed with your order using a different form of payment
2. Which providers may present a financing offer when I apply?
   • Two Birch works with multiple financing providers. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this offer, you may be presented additional opportunities from the other providers, which may be subject to credit approval.
3. How do I pay my bill?
   • Each financing provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the offer you select.
     • Synchrony Bank

       Pay Online: Register your account at mysynchrony.com and log in to easily manage and pay your bill.
       Pay By Phone:Contact Synchrony Bank Customer Service during business hours at 1-844-335-5909.
       Monday - Friday 7:30 AM - 12:00AM ET
       Saturday 10:00 AM - 7:00PM ET
       Sunday - Closed.

       Pay By Phone: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
       Synchrony Bank
       P.O. Box 960061
       Orlando, FL 32896-0061
       There may be an additional fee to make an expedited payment by phone

       Pay By Mail: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
       Synchrony Bank
       P.O. Box 960061
       Orlando, FL 32896-0061

     • Genesis Credit® Accounts:

       To manage your Genesis Credit® Account or for more information, please click here

     • Acima Leasing

       Easily access lease account information online at customer.acima.com or call us at 801-297-1982. During the lease origination process, you agree to make payments automatically using the bank account or card provided in your application.

4. What is prequalification?
   • By providing information and checking if you prequalify, you can get a sense of whether you'll be approved for the credit card. Merely checking to see if you prequalify will not impact your credit bureau score.
5. Will checking to see if I prequalify impact my credit bureau score?
   • No. There is no impact to your credit bureau score when you submit a prequalification check. However, if you do prequalify and then proceed with applying for the credit card, a hard inquiry will be required, which may impact your credit bureau score.
6. Is there a limit on the number of attempts to prequalify?
   • Yes. You are limited to 4 attempts per day. After your 4th attempt to prequalify, any further requests will not be accepted for the remainder of that day.
7. I prequalified. What should I do next?
   • You can submit an application for the Synchrony Luxury Credit Card without needing to input any additional information. Note that submitting a credit card application may impact your credit bureau score.
8. Is prequalification the same as being approved?
   • No, if you prequalify it does not guarantee that you will be approved when you apply for the credit card, but it can help you get a sense of whether you’ll be approved for the credit card.
9. I did not prequalify. Can I still apply for the Synchrony Luxury Credit Card?
   • Yes. You may still apply for the card. Note that submitting a credit card application may impact your credit bureau score.
10. Why was my credit card application declined even after I was told I prequalify?
    • Prequalification does not guarantee that you will be approved when you apply for the credit card, but it can help you get a sense of whether you’ll be approved. As such, your credit card application may still be declined after you prequalify.
11. What happens if I am presented with an offer?
    • You'll have the opportunity to accept or decline the offer. Once presented with an offer, additional information and terms will be provided to you before you complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.