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One of the benefits of the P.C. Richard & Son Credit Card is that you can get 0% financing for six months or more on various electronic goods, appliances, and mattresses.
If you’ve arrived here after Googling “PC Richards credit card Synchrony Bank”, you’ll probably already know this and are looking for how to apply, how likely you are to be accepted, and in which locations you can use this credit card. So read on to find out how to get the most out of this card.
BEFORE YOU GO…
If you’re looking for more ways to stay in control of your finances, check out the following guides to put thousands of dollars in your pocket FAST.
- 9 Best Money Borrowing Apps (we tried and tested ’em all)
- Best Cash Advance Apps (quick cash advances with no fees)
- How to Borrow $100 Instantly (no need to ask a buddy for a loan)
What credit score is needed for the PC Richards card?
It’s a good idea to have an inkling of whether you’re likely to be accepted or rejected for this card before you apply. This is because applying for credit will lead to the lender making a hard inquiry, which can result in a temporary drop to your credit score overall.
Synchrony Bank backs the P.C. Richard & Son Credit Card. You’ll likely need to have a good credit score of 700 or above to be accepted. With that said, some people have reported that they’ve been approved for a Synchrony Bank credit card with a fair credit score in the 600s, according to Credit Donkey.
To boost your chances of being accepted, it’s best to get your ducks in a row before you apply. Check your credit report and make sure it’s free from errors and that there aren’t any late payments marked on there.
If you’re struggling with a poor credit score, consider a credit builder loan if you need to boost your score to qualify. Check out our in-depth reviews on the most popular credit builders, including:
- Chime Credit Builder Card (no credit check + up to $200 in fee-free overdrafts)
- MoneyLion Credit Builder Plus (Build credit + 0% APR cash advances up to $300)
- Kikoff Credit (grow your credit for just $5 a month)
How to apply for a PC Richards Card from Synchrony Bank
You can apply online for a P.C. Richard & Son Credit Card, or at any of their physical store locations in the U.S. If you apply in store and are approved, you can begin using the card the same day.
When applying, you’ll need to provide your personal information, such as your name, address, social security number, email address, phone number, date of birth, income details and whether you rent or own your home. If you apply in store, it’s worth taking some identification with you just in case.
PC Richards locations
There are 66 P.C. Richard & Son locations, mostly in New York but also in New Jersey, Connecticut and Pennsylvania as follows:
- New York – you’ll find stores in the Bronx, Brooklyn, Manhattan, Nassau, Queens, Rockland, Suffolk, Staten Island, and
- New Jersey – there are several stores throughout Northern, Central and Southern Jersey.
- Connecticut – there’s one store in New Haven County and three stores in both Fairfield County and Hartford County.
- Pennsylvania – there’s only one store to speak of, and you’ll find it in Northeast Pennsylvania.
If you don’t live near a store, you can use the P.C. Richard & Son Credit Card to shop online. Some of the products at P.C. Richard & Son are available for free shipping.
Fees and interest rates
There’s no annual fee associated with the P.C. Richard & Son Credit Card and the interest-free financing is excellent news if you want to spread out the cost of a purchase.
However, bear in mind that if you don’t manage to pay for your purchase in full when the promotional period ends, you’ll have to pay the regular interest rate which is 26.99% APR. The same rate applies if you want to buy something that isn’t available for special financing. That’s a pretty high interest rate, so consider how long it will take you to pay off your purchase before you apply for (and use) this card.
You may be financially better off applying for a different credit card, with a 0% APR introductory offer and a lower interest rate afterwards. For example, the Chase Freedom Unlimited® credit card offers 0% APR on purchases for 15 months and then rolls over to a regular APR of 16.74% – 25.49% variable. What’s more, this credit card has no annual fee, and you’ll get a $150 bonus if you spend more than $500 within the first 3 months of opening an account.
Final thoughts and what to do next…
This credit card might be for you if you tend to shop at P.C. Richard & Son frequently and want to take advantage of the special financing deals they have available. As the regular interest rate associated with this card is relatively high, you may find another credit card deal more suitable for you, providing your credit score allows you to explore other options.
Watch: P.C. Richards throwback commercial!
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Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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