Synchrony Financial is a U.S. consumer financial services company that partners with retailers, manufacturers, and healthcare providers to offer a broad suite of financing and banking products. It delivers private-label and co-branded credit cards, dual cards, and general purpose credit products, along with promotional financing for consumer purchases and installment loans. The company also provides deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts, and serves retail and commercial customers through digital and other channels. Its programs span digital, retail, home, auto, travel, health, and pet services, and it collaborates with national and regional merchants, manufacturers, and industry groups to market its products. Synchrony operates through segments such as retail card, payment solutions, and CareCredit, and originates and services credit through partnerships rather than through its own network of physical stores. Founded in 2003, Synchrony is headquartered in Stamford, Connecticut.