A. Each applicant must provide:
• Full name
• Social Security Number
• Physical Address (cannot be a Post Office - P.O. Box)
• Billing Address (if different from Physical Address)
• Date of Birth
• Mother’s Maiden Name
• Phone Number
• Email Address
• Annual Gross Income
• If you plan to transfer balances from another biller (creditor), you’ll need to provide the biller name, address and account number for each account from which you want to transfer; as well as the amount you want to transfer from each.

All fields where information is required are marked with an asterisk (*) on the application. You will not be able to submit your application unless all required information has been provided.

A. An applicant for a personal credit card issued by Synovus Bank must be:
• a U.S. Citizen
• 18 years old or older (19 for residents of Alabama)
• A current legal resident of one of the following 6 states: Alabama, Florida, Georgia, North Carolina, South Carolina or Tennessee.

A. All required information has to be entered on the application. But, if you are a Synovus Bank division customer and use Synovus Online Banking, we can pre-fill some of the Personal Information for you. Just enter your login information at the space provided at the top of the application. However, please note that the information that is pre-filled from online banking cannot be changed or edited. If any of your Personal Information has changed or if you need to use different information, you should complete the application without using your Synovus Online Banking login.

A. All required information must be completed. However, if you are an existing customer, we can pre-fill some of your Personal Information once your identity is verified. You can expedite your application process by using one of the following options:

1. Login using your online banking User ID and Password
2. Login with your Check Card PIN
3. Login with other account information

A. No, for your convenience, only the information that is needed for the credit card application is accessed from online banking. You are not logged into Synovus Online Banking.

A. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person that opens an account. In order to meet these requirements and have the information we need to review your application, we must have your full name, physical address (cannot be a P.O. Box), social security number, billing address (if different from the physical address), date of birth, mother’s maiden name, phone number, email address and annual gross income. All fields where information is required are marked with an asterisk (*) on the application. You will not be able to submit your application unless all required information has been provided.

A. Only individuals can apply for our card online, however, you can apply for a joint account by visiting any Synovus Bank division branch. Remember, you can add an authorized user or users when you apply online for an individual card; and also, once an individual account is open, authorized users can be added later. To find the branch location nearest you, visit www.synovus.com and use our ATM/Branch Locator.

A. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person or entity that opens an account. You can use a P.O. Box as the Billing Address for your statements and other correspondence, but we are required to receive and maintain a physical address in every customer’s account file.

A. While Synovus Bank is the issuer of and creditor for credit card accounts, cards are issued-through our 28 Synovus banking divisions and the card will include the name of the banking division is it issued through. Therefore, you will be asked to choose the bank division nearest you and the name of the bank will be printed on the card. If you do not choose a division, the card will be assigned to Columbus Bank and Trust Company, a division of Synovus Bank, which is located in Columbus, Georgia.

A. For applicants under 21, Federal regulations require that we verify income that is from sources other than wages, bonuses, tips and commissions. If you are under 21 and have alternative sources of income, Synovus Bank will contact you to provide a list of documents that can be used to verify income.

A. You must provide the following information about each balance transfer you would like for us to request on your behalf:
• Biller Name (Bank, credit card company or other biller)
• Address of Biller
• Account number of the account you want to transfer from
• Amount you want to transfer to your new credit card account
Please remember, your balance transfer requests cannot exceed the amount of your available credit limit. You should continue to make normal payments to your biller(s) until you receive confirmation that the balance transfer request is complete.

A. You will receive a confirmation in the mail when you balance transfer is complete; or if we are unable to complete your request for any reason. Reasons a request may not be completed include (but are not restricted to): insufficient available credit limit; incomplete biller information; requested amount not available from biller, etc. You should continue to make normal payments to your biller(s) until you receive confirmation that the balance transfer request is complete.

A. For your convenience, we automatically pre-fill the automatic payment information using the bank account you selected for overdraft protection. If you want to use a different account to make your automatic payment, just call Customer Service at 1-888-SYNOVUS (796-6887) after your card is approved and issued. They will be happy to assist you with establishing your automatic payment using another deposit account. You should be prepared to provide the institution name, routing number and account number.

A. For your security, when your session has lasted for longer than 20 minutes, your session automatically expires and the application is deleted. You cannot continue with this application, but you can begin a new one at your convenience.

A. If your application was successfully submitted, you would have received an onscreen message and a follow-up email that includes your Application ID to confirm the status of your application. If you did not receive these messages from us, your application may not have reached us. You can call us at 1-888-SYNOVUS (796-6887) to confirm that your application was received; and/or to check the status of an application you have successfully submitted.

A. Please review the information you have entered into your application and make sure all of it is complete and that all required fields have been filled with valid information. Required fields are marked with an asterisk (*). Also, you can tell when a section of the application is complete when it is marked by a green check mark. If you see a section that does not have a check mark, review that section to make sure all required information has been provided.

A. This means that when we reached out to the credit bureau (Equifax) to validate the information you provided, usually this means that one of the following has occurred:
1) The information you provided in the application did not match their records. Please check all the information you have entered to make sure it is complete and correct.
2) You previously requested that your account be blocked from credit inquiries. In order to submit your application, you must first contact Equifax to request that this block be removed.

You can contact Equifax by calling 1-800-685-1111, or by writing to them at Equifax Credit Information Services, P. O. Box 740241, Atlanta, GA 30374. In your request, please include your name, address, former address (if you have been at your current address for less than 2 years.), Social Security Number (required) and the name of the company that referred you to Equifax (Synovus Bank). If you have any questions or believe there has been an error, please contact us at 1-888-SYNOVUS (796-6887).

A. When you apply online, often we can let you know immediately if you are approved. However, in some cases, we may need more time to review your application or get additional information before making a decision. If that’s the case, we will let you know that your application is under review; and will notify you of our decision, or ask for any additional information needed to continue with your application, within 7-10 business days from the date you apply.

A. If approved, your Annual Percentage Rate (APR) will be the lowest one for which you qualify based on your creditworthiness and other factors. When you’re approved at the time of application, you will be provided with your credit limit on the approval screen that appears after you submit your application, and in the confirmation email that will arrive shortly thereafter. You will receive your APR and other disclosures with your card in the mail. If you need information about your APR sooner, you can call Customer Service at 1-888-SYNOVUS (796-6887).

A. Once approved, new cards are issued immediately; they normally arrive in the mail 7-10 business days after they are issued.

A. Your new card should appear in your Synovus Online Banking within 1-2 business days.

A. Synovus Bank is one of the largest community banks in the Southeast, providing powerful solutions you may not expect from a community bank. We operate under 28 different trade names in 5 states (Alabama, Florida, Georgia, South Carolina and Tennessee). Visit www.synovus.com to learn more about Synovus and Synovus Bank.