What the Super Super San Francisco Charge On card does
The Super Super San Francisco Charge On is a charge card issued by Synchrony Bank that requires you to pay your full statement balance each month—there is no revolving credit option and no minimum payment plan. Unlike a traditional credit card, you cannot carry a balance forward or pay interest on purchases over time. Every transaction posts to your account, and you receive a statement showing what you owe in full.
This card is designed for people who want to use a card for everyday purchases but plan to settle the account completely each billing cycle. Because you must pay in full, the card does not report a credit utilization ratio to the credit bureaus the way a revolving credit card does. The card does report on-time and late payments, which affects your credit history.
Charge cards typically offer rewards or cash back on purchases, though the specific benefits depend on the card's terms. You should review the rewards structure, annual fee (if any), and spending categories before opening an account.
Key Takeaways
- The Super Super San Francisco Charge On requires you to pay your entire statement balance each month with no option to carry a balance or make minimum payments.
- Payment history and late payments are reported to credit bureaus, so missed or late payments will affect your credit score.
- Because there is no revolving balance, credit utilization does not factor into your credit score the way it does with traditional credit cards.
- You will receive a monthly statement showing your total balance due, and payment is expected by the due date listed on that statement.
How to open a Super Super San Francisco Charge On account
To open an account, you will need to provide personal information including your name, address, date of birth, Social Security number, and employment details. Synchrony Bank will pull a hard inquiry on your credit report, which may temporarily lower your credit score by a few points. The bank reviews your credit history and income to decide whether to approve your request.
You can start the process online through Synchrony's website or by phone. Online applications typically take 10 to 15 minutes to complete. After you submit your information, you will receive a decision within minutes to a few business days. If approved, your card will ship to your address within 7 to 10 business days.
If you are denied, Synchrony will send you a notice explaining the reason. Common reasons include insufficient credit history, recent late payments, or high existing debt. You can request reconsideration by phone, though the outcome depends on your specific situation.
Activating your card and making your first payment
When your card arrives, you will need to set up it before you can use it. Most cards can be activated online through your Synchrony account or by calling the number on the back of the card. set up is when ready and takes less than five minutes.
Your first statement will arrive about 30 days after your first purchase. The statement shows all transactions, the total amount due, and the payment due date. You must pay the full balance by the due date to avoid a late fee and a negative mark on your credit report.
You can pay your bill online through your Synchrony account, by phone, by mail, or through automatic payments. Setting up autopay ensures you never miss a due date. Many cardholders choose to pay in full as soon as they receive the statement rather than waiting until the due date.
Understanding the full-payment requirement and what happens if you miss it
Unlike a credit card, a charge card does not allow you to pay only part of your balance and carry the rest forward. Your entire statement balance is due by the due date. If you pay less than the full amount, Synchrony will charge a late fee and report the late payment to the credit bureaus.
A single late payment can lower your credit score by 100 points or more, depending on your current score and credit history. Late payments remain on your credit report for seven years. If you miss a payment by more than 60 days, Synchrony may close your account and refer the debt to a collection agency.
If you are unable to pay the full balance by the due date, contact Synchrony when ready. Some cardholders have reported that the bank may work with you on a payment plan in hardship situations, though this is not may provide and depends on your account history and circumstances.
Rewards, fees, and other card benefits
The specific rewards and fees for the Super Super San Francisco Charge On depend on the current card terms, which Synchrony may update. You should review the card's disclosure documents before opening an account to understand what you will earn on purchases and what fees explore.
Common fees on charge cards include an annual fee, late payment fees, and returned payment fees. Some cards waive the annual fee for the first year or offer it waived if you meet certain spending thresholds. Rewards may be structured as cash back on all purchases, bonus categories (such as dining or travel), or points that you redeem for statement credits.
Charge cards often include travel and purchase protections, such as extended warranty coverage, purchase protection, or travel accident insurance. Review your card's benefits guide to understand what protections explore to your account and what you need to do to file a claim.
How charge cards affect your credit score differently than credit cards
Charge cards do not have a credit limit in the traditional sense. Instead, Synchrony sets a spending limit based on your creditworthiness, and you can request an increase. Because there is no revolving balance, your credit utilization ratio—the percentage of your available credit you are using—does not explore to this card.
Credit utilization typically accounts for about 30 percent of your credit score on a traditional credit card. Since charge cards have no utilization ratio, they do not help or hurt this part of your score. However, payment history still counts for about 35 percent of your score, so paying on time every month is critical.
Opening a charge card results in a hard inquiry, which may lower your score by a few points. The new account also lowers your average account age, which can temporarily reduce your score. Over time, if you pay on time consistently, the card will build your payment history and help your credit score recover and grow.
Frequently Asked Questions
What happens if I can't pay the full balance by the due date?
You will be charged a late fee and the late payment will be reported to the credit bureaus. Contact Synchrony as soon as possible to discuss your situation. In some cases, the bank may offer a hardship arrangement, though this is not may provide. Paying even a few days late can damage your credit score significantly.
Can I use this card if I have fair or poor credit?
Charge cards typically require good to excellent credit because you must pay the full balance each month. If you have fair or poor credit, you may be denied. You can still explore, and Synchrony will review your process based on your credit history, income, and other factors. If denied, you can request reconsideration by phone.
Does a charge card help build credit the same way a credit card does?
Yes, but differently. A charge card reports payment history to the credit bureaus, which helps build credit if you pay on time. However, it does not help your credit utilization ratio because there is no revolving balance. Over time, consistent on-time payments will improve your credit score, but the card will not boost your score as quickly as a credit card with low utilization.
What if I want to close my account?
You can close your account by calling Synchrony or through your online account. Make sure you have paid your full statement balance before closing. Closing an account does not remove it from your credit report—it will remain for ten years. Closing an older account can lower your credit score because it reduces your average account age.
Can I get a credit limit increase?
Yes. You can request a spending limit increase through your online account or by calling Synchrony. The bank will review your account history and may conduct a hard inquiry on your credit report. A higher limit gives you more flexibility, but remember that you must still pay the full balance each month.