SYNCB/PPC on your credit report stands for Synchrony Bank PayPal Credit. You might also see this entry listed as SYNCB/PayPal, depending on which credit bureau is displaying it. Both codes point to the same product: PayPal Credit, the revolving line of credit issued by Synchrony Bank in partnership with PayPal.
What makes this entry worth a closer look is that SYNCB/PPC can appear on your credit report for more than one reason. It’s not always just a hard inquiry from a new application.
What Is SYNCB/PPC on Your Credit Report?
SYNCB/PPC stands for Synchrony Bank PayPal Credit. Synchrony Bank has been the exclusive issuer of PayPal Credit in the United States since 2018, and the partnership extends through 2028. PayPal Credit functions as a revolving line of credit, letting you finance purchases at PayPal-accepting retailers and pay them off over time, with promotional financing available on qualifying purchases.
Why SYNCB/PPC Might Be on Your Credit Report
Unlike most credit report entries that trace back to a single event, SYNCB/PPC can show up for several different reasons. Identifying which one applies to you is the most important first step:
- Hard inquiry from a new application: The most common cause. When you apply for PayPal Credit, Synchrony Bank pulls your credit history and the inquiry is recorded on your credit report regardless of whether you were approved.
- Active or closed account reporting: If you have or previously had a PayPal Credit account, Synchrony reports your account activity monthly, including your balance, payment history, and credit limit.
- Late payments or delinquency: Missed payments on a PayPal Credit account are reported to the credit bureaus and can significantly damage your credit score. These entries can remain on your credit report for seven years.
- Account closure or settlement: If your PayPal Credit account was closed or settled for less than the full balance owed, that activity appears on your credit report and affects your credit score.
- Authorized user status: If someone added you as an authorized user on their PayPal Credit account, the account may appear on your credit report as well.
- Unauthorized application or fraud: If you don’t recognize any of the above, someone may have used your personal information to apply for PayPal Credit without your knowledge.
How SYNCB/PPC Affects Your Credit Score
The impact depends on what type of entry you’re dealing with. A hard inquiry causes a small, temporary dip of a few points. An active account in good standing can help your credit score through consistent on-time payments and available credit. Late payments or a charge-off can cause serious damage that lingers on your credit report for years.
If you have a PayPal Credit account, keeping the balance low relative to your credit limit and making on-time payments is the most effective way to let the account benefit your credit score.
How Long SYNCB/PPC Stays on Your Credit Report
The timeline varies depending on the type of entry. Hard inquiries remain for two years. Open accounts stay on your credit report as long as they’re active and for up to 10 years after closing in good standing. Late payments and negative marks remain for seven years from the date of the first missed payment.
What to Do If You Don’t Recognize the SYNCB/PPC Entry
If SYNCB/PPC is on your credit report and you can’t account for it, here’s how to handle it:
- Contact Synchrony Bank directly: Ask them to explain the entry, whether it’s an inquiry, an account, or a reported delinquency, and confirm whether it’s connected to your personal information.
- Check your PayPal account: Log in and review your credit applications and account history for anything unfamiliar.
- Dispute inaccurate information with the credit bureaus: If the entry is wrong or unauthorized, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a clear explanation of the error.
- Place a fraud alert or credit freeze: If you suspect identity theft, 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 about a SYNCB/PPC entry, here is their contact information:
Phone: (844) 373-4961
Mailing Address: Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020
Bottom Line
SYNCB/PPC on your credit report is Synchrony Bank reporting activity related to a PayPal Credit account, and it can mean more than just a hard inquiry. Before deciding what to do, identify whether you’re looking at a new application inquiry, an active account, a late payment, or something else entirely. Each situation calls for a different response.
If something looks wrong or you don’t recognize the entry at all, contact Synchrony Bank and dispute it with the credit bureaus. PayPal Credit fraud is worth catching early before it does lasting damage to your credit score.
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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.