How to Remove SYNCB/Amazon PLCC From Your Credit Report

SYNCB/Amazon PLCC on your credit report is less mysterious than it looks once you break it down. SYNCB stands for Synchrony Bank, and PLCC stands for Private Label Credit Card. Together, the code identifies a hard inquiry placed by Synchrony Bank when someone applied for an Amazon Store Card or Amazon Secured Card.

If you’ve applied for either of those cards, this is exactly what you’d expect to see. If you haven’t, it’s worth investigating right away.

What Is SYNCB/Amazon PLCC on Your Credit Report?

SYNCB/Amazon PLCC stands for Synchrony Bank Amazon Private Label Credit Card. Synchrony Bank is the issuing bank behind two Amazon store cards: the Amazon Store Card, which can be used for purchases on Amazon and at affiliated locations, and the Amazon Secured Card, which is designed for people building or rebuilding their credit score.

When you apply for either card, Synchrony runs a hard inquiry on your credit report, and that inquiry shows up under the SYNCB/Amazon PLCC code.

Why SYNCB/Amazon PLCC Appears on Your Credit Report

This entry almost always traces back to an Amazon card application. Here’s how it typically comes up:

• Amazon Store Card application: Applying directly through Amazon’s website or during checkout triggers a Synchrony hard inquiry. Amazon frequently promotes the card with financing offers and cash back incentives for Prime members.
• Amazon Secured Card application: If Synchrony couldn’t approve you for the standard Store Card, you may have been automatically considered for the Secured Card, which also generates the same inquiry.
• Amazon Prime Store Card: Prime members may be offered the Prime Store Card, which also runs through Synchrony and generates the same SYNCB/Amazon PLCC code.
• Unauthorized application: If someone used your personal information to apply for an Amazon card without your knowledge, the hard inquiry still appears on your credit report.

How SYNCB/Amazon PLCC Affects Your Credit Score

A single hard inquiry from Synchrony Bank causes a small dip in your credit score, typically fewer than five points. That’s not a meaningful concern for most people. The impact grows when multiple hard inquiries appear within a short period, which can signal to lenders that you’re actively seeking new credit.

The effect on your credit score fades within a few months and becomes negligible well before the entry drops off your credit report entirely.

How Long SYNCB/Amazon PLCC Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, display the entry during that window. Once the two years are up, it drops off automatically with no action required.

If your Amazon card application was approved and an account was opened, that account also appears separately on your credit report as a tradeline, affecting your credit score based on payment history, credit utilization, and account age.

What to Do If You Don’t Recognize the SYNCB/Amazon PLCC Entry

An unfamiliar SYNCB/Amazon PLCC entry is worth taking seriously, particularly since Amazon accounts are a common target for identity theft. Here’s how to handle it:

• Contact Synchrony Bank directly: Ask them to confirm what product was applied for, when the inquiry was pulled, and whether an account was opened as a result. They can verify whether the application was connected to your personal information.
• Check your Amazon account: Log in to your Amazon account and review your payment methods and order history for any activity you don’t recognize.
• Dispute with the credit bureaus: If Synchrony cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Place a fraud alert or credit freeze: A fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

Synchrony Bank Contact Information

If you need to reach Synchrony Bank to ask about a SYNCB/Amazon PLCC inquiry, here is their contact information:

Phone: (866) 634-8379

Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020

Bottom Line

SYNCB/Amazon PLCC on your credit report is a Synchrony Bank hard inquiry tied to an Amazon Store Card, Amazon Secured Card, or Prime Store Card application. If you recognize the application, the entry is legitimate and will age off your credit report after two years.

If you don’t recognize it, act quickly. Amazon-related fraud can move fast, so contacting Synchrony Bank and disputing the entry with the credit bureaus right away gives you the best chance of resolving it before any further damage is done to your credit score.