PC Richards Credit/Synchrony Bank Card Review

Overdraft Apps » App Reviews » Personal Loans » PC Richards Credit/Synchrony Bank Card Review

Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.

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.


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.

PC Richards Credit Card

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:

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!

Need more cash? Check out the top Borrow Money Apps

WAIT! High overdraft fees aren’t the only way your bank is costing you money.

With inflation overheating, you’ve probably heard that interest rates are climbing sharply. That means that for the first time in years, it’s a great time to shop around for a high interest savings account.

The national average interest rate for savings accounts is currently 0.23% APY – that means that if you have $2,500 in a savings account, you’d earn just $5.76 after one year! Move those hard-earned savings to an FDIC-insured bank paying 3.50% APY and you’d earn $81.73 more!

Don’t let your hard-earned savings sit there doing nothing. Check out the rates that you can earn at other banks:

Mitchel Harad

Related Posts