SYNCB/BRDC is an older credit report name tied to the Banana Republic credit card program that Synchrony Bank once issued. SYNCB refers to Synchrony Bank, while BRDC refers to Banana Republic credit.
Barclays now issues the Banana Republic Encore Credit Card and Banana Republic Encore Mastercard. Since the issuer changed in 2022, a SYNCB/BRDC entry that appears today is more likely an old account record than a recent inquiry.
You may be able to correct or remove the entry when the account is not yours, the balance or payment history is wrong, the same debt appears twice, or the information has remained beyond the proper reporting period.
What Is SYNCB/BRDC on Your Credit Report?
SYNCB/BRDC identifies a Banana Republic credit card account from the period when Synchrony Bank managed the program. Synchrony previously issued cards for Gap Inc. brands, which included Banana Republic.
Barclays now handles the Banana Republic card program. The current application considers consumers for the Banana Republic Encore Mastercard and, if they do not qualify for that card, the Banana Republic Encore Credit Card. Both current products come from Barclays.
The issuer change did not erase the earlier account history. A Synchrony Bank account can remain on your credit report after the card closes or moves to another issuer.
Is SYNCB/BRDC an Inquiry or an Account?
Check the section where SYNCB/BRDC appears.
A hard inquiry appears in the inquiry section and shows that a lender checked your credit after an application. Hard inquiries can remain for up to two years.
An account entry appears with your open and closed credit accounts. It may list a balance, credit limit, payment history, opening date, closing date, and account status.
Synchrony stopped issuing new Banana Republic cards after the program moved to Barclays in 2022. Any related Synchrony inquiry should have expired by 2024. A SYNCB/BRDC entry that remains in 2026 is therefore likely account history.
Do not file an inquiry dispute when the problem involves a balance, late payment, or account status. Your dispute must address the account information itself.
Why SYNCB/BRDC May Still Appear
Several situations can explain the entry:
- Closed account: The Synchrony Bank account closed when the issuer changed.
- Transferred account: The card relationship moved to Barclays.
- Positive history: The account was paid as agreed and remains part of your credit history.
- Negative history: The entry includes late payments, a charge-off, or an unpaid balance.
- Duplicate balance: Synchrony Bank and Barclays both appear to report the same debt.
- Reporting error: The dates, balance, payment history, or status are incorrect.
- Identity theft: Someone opened the account with your personal information.
Two Banana Republic entries do not always mean duplicate debt. One may cover the Synchrony Bank period, while the other covers the Barclays period. Compare the dates and balances before you file a dispute.
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Can You Remove SYNCB/BRDC From Your Credit Report?
You can dispute SYNCB/BRDC when the account is inaccurate, duplicated, outdated, incomplete, or unrelated to you.
Removal or correction may be appropriate when:
- The account was never yours.
- The same balance appears under Synchrony Bank and Barclays.
- A paid balance still appears as unpaid.
- The payment history includes late payments that did not occur.
- Synchrony Bank reports the account as open after it closed.
- The opening date, closing date, or account status is wrong.
- Negative information remains beyond the allowed reporting period.
- Identity theft caused the account.
You usually cannot remove accurate negative information before its reporting period ends. Most negative credit account information can remain for up to seven years. Positive information may remain longer.
Do not dispute an accurate account in good standing solely because it is old. That history may support your credit score through older account history and on-time payments.
Compare the Synchrony and Barclays Entries
Get copies of your Equifax, Experian, and TransUnion credit reports. Review every Banana Republic, Synchrony Bank, and Barclays entry together.
Check:
- Ownership: Confirm whether you are listed as an individual, joint owner, or authorized user.
- Opening date: Compare it with your original Banana Republic application.
- Status: Look for open, closed, transferred, paid, delinquent, or charged off.
- Balance: Confirm that only the correct creditor reports money owed.
- Payment history: Check each reported late payment.
- Last activity: Make sure Synchrony does not report new purchases after the transfer.
- Remarks: Look for notes about closure or transfer.
The dates should follow a sensible sequence. The two accounts should not make one balance look like two debts.
Collect old statements, payment confirmations, card transition notices, and Barclays records before you dispute an error.
How to Dispute an Inaccurate SYNCB/BRDC Account
Send a dispute to every credit bureau that reports incorrect information. State the exact error instead of asking for the whole account to be removed without an explanation.
Include:
- Personal information: Provide the identity documents the credit bureau requests.
- Account details: List SYNCB/BRDC and the partial account number.
- Specific error: Identify the incorrect balance, payment, date, or status.
- Correct information: Explain what the entry should show.
- Supporting records: Add statements, payment receipts, or transfer notices.
- Requested result: Ask for correction or removal of the inaccurate information.
Mark the entry on a copy of your credit report. Send copies of evidence rather than original documents.
Credit bureaus usually have 30 days to investigate a valid dispute. You should also dispute the error directly with the company that supplied the information.
Contact Synchrony Bank About the Legacy Account
Contact Synchrony Bank when the problem concerns account history from before the issuer change.
Ask Synchrony Bank to confirm:
- Whether it opened the account in your name
- The original opening date
- The balance when the account closed or transferred
- Any late payments or charge-off history
- The final date it reported account activity
- Whether the account moved to Barclays
- The records that support the disputed information
Synchrony still lists older Banana Republic card agreements and a legacy service number. Call before you send documents and ask for the current department and mailing address for former Banana Republic account disputes.
Contact Barclays About the Current Account
Contact Barclays when the problem concerns the current Banana Republic card, the transfer date, or information reported after Barclays took over.
Banana Republic currently lists these numbers:
- Encore Credit Card: 866-951-5248
- World Mastercard: 866-609-2756
Ask Barclays to confirm the transfer date, opening date, account number, starting balance, and payment history. These records can help show whether Synchrony reported activity beyond its servicing period or whether both issuers reported the same balance.
What to Do if SYNCB/BRDC Is Not Your Account
An unfamiliar account may point to identity theft or a mixed credit file.
Ask Synchrony Bank which name, address, phone number, email address, and Social Security number were used. Review all three credit reports for other unknown accounts, inquiries, names, and addresses.
Dispute the Synchrony Bank and Barclays entries separately when both are unfamiliar. Removal of one account will not automatically remove the other.
You may also place a fraud alert or credit freeze:
- Fraud alert: Tells creditors to take extra steps to confirm your identity.
- Credit freeze: Restricts access to your credit files until you lift it.
Keep records of every call, dispute, letter, and confirmation number.
How Long SYNCB/BRDC Can Stay on Your Credit Report
A hard inquiry can remain for up to two years. Any Synchrony Bank inquiry from the former Banana Republic program should have expired by 2024.
Most negative account information can remain for up to seven years. Positive account information may remain longer. A closed account in good standing can remain for years after closure.
The old Synchrony Bank name is not automatically an error. The entry can remain when the information is accurate and falls within the proper reporting period.
How SYNCB/BRDC May Affect Your Credit Score
The effect depends on what the account reports.
A closed account with on-time payments may help preserve older credit history. Late payments, charge-offs, and unpaid balances can hurt your credit score.
A duplicate balance can make your debt or credit utilization appear higher than it should. Focus your dispute on information that is wrong, outdated, duplicated, or unrelated to you.
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Bottom Line
SYNCB/BRDC is a legacy Banana Republic credit card entry from the period when Synchrony Bank issued the card. Barclays now issues the Banana Republic Encore Credit Card and Encore Mastercard.
A current SYNCB/BRDC listing is likely an account record, not a recent hard inquiry. Compare the Synchrony Bank and Barclays entries before you take action.
Dispute the account when it is not yours, the balance or payment history is wrong, the same debt appears twice, or the information has remained beyond the proper reporting period. Contact both issuers when the error may have started during the 2022 transfer.
Rachel Myers is a personal finance writer who believes financial freedom should be practical, not overwhelming. She shares real-life tips on budgeting, credit, debt, and saving, without the jargon. With a background in financial coaching and a passion for helping people get ahead, Rachel makes money management feel doable, no matter where you’re starting from.