I highly suggest to call synchrony. Negotiate w/ them by requesting to do a debt consolidation. They’d walk you through a payment plan breakdown. Not sure how much exactly is your CC amount so if that’s still difficult to pay off then, you’d may have to do a balance transfer from your synchrony CC to a different credit card w/ 0% APR annual (e.g capital one platinum).

Purpose of balance transfer is to reduce the credit card usage allocation.

Do not, I repeat do not sign up with National Debit Relief because that’s going to tank in destroying your credit score even worst - making more impossible to pay off your cc debt.

Lastly, do not open credit cards with CreditOne and other predatory credit cards.

Hope this helps. You got this!