Where to send your Bass Pro credit card payment
The Bass Pro credit card is issued by Synchrony Bank, so your payment goes to Synchrony, not to Bass Pro Shops directly. You can pay online through your Synchrony account, by phone, by mail, or in person at a Bass Pro location. The fastest and most common route is logging into your Synchrony account online or through the Synchrony mobile app, where you can make a one-time payment or set up automatic payments.
If you prefer to pay by phone, call the number on the back of your card — it connects you to Synchrony's customer service line. Payments made by phone are typically processed the same business day if you call before the cutoff time, which is usually in the afternoon. By mail, send your payment to the address printed on your monthly statement; mail payments take five to seven business days to reach Synchrony's processing center, so plan ahead if your due date is near.
Some Bass Pro locations accept in-person payments at the customer service desk, though this option is less common and you should call your local store first to confirm they offer it. In-person payments are processed when ready but do not appear in your online account until the next business day.
Key Takeaways
- Your Bass Pro credit card payment goes to Synchrony Bank, not Bass Pro Shops, because Synchrony issues the card.
- Online payment through your Synchrony account is the fastest method and typically posts within one business day.
- Phone payments are processed the same business day if you call before the afternoon cutoff, and the number is on your card.
- Mail payments take five to seven business days, so send them at least a week before your due date to avoid a late payment.
- Some Bass Pro locations accept in-person payments, but you should call ahead to confirm your store offers this option.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to the payments section, and select "Set up automatic payment." You choose the payment amount (minimum payment, statement balance, or a fixed amount you set), the due date, and your payment method — bank account or debit card.
Most people set automatic payments to the full statement balance on the due date shown on their bill. This ensures you pay no interest and avoid late fees. If you set it to the minimum payment, you will carry a balance and pay interest, but your payment will never be late. You can change or cancel automatic payments anytime through your account, and Synchrony will send you a confirmation email each time a payment is scheduled.
What happens if you miss a payment
A payment is considered late if it arrives after the due date printed on your statement. Synchrony typically charges a late fee on the first missed payment, usually between $25 and $40 depending on your account history. More importantly, a late payment is reported to the credit bureaus and will lower your credit score.
If you are more than 30 days late, Synchrony may freeze your account and stop allowing new purchases. If you miss a payment, contact Synchrony as soon as possible — sometimes they will waive a first late fee if you pay within a few days and explain the situation. Payments made after the due date still count toward your balance, but the damage to your credit score is already done.
Understanding your statement and due date
Your monthly statement shows your opening balance, all purchases and credits from the past month, your new balance, your minimum payment, and your due date. The due date is always the same day each month — for example, the 15th or the 25th. Your statement is usually mailed or emailed around the same time each month, giving you roughly 20 to 25 days before the due date to pay.
The minimum payment is the smallest amount Synchrony will accept without charging a late fee. Paying only the minimum means you carry the rest of your balance forward and pay interest on it. The interest rate for the Bass Pro card varies by creditworthiness but is typically in the range of 19% to 27% annually. If you carry a $1,000 balance and pay only the minimum, you will pay interest charges every month until the balance is paid off.
Payment methods and processing times
| Payment Method | Processing Time | When to Use |
|---|---|---|
| Online (Synchrony website or app) | 1 business day | Most common; fastest for urgent payments |
| Phone (number on card) | Same business day if before cutoff | When you need confirmation when ready |
| Mail (address on statement) | 5–7 business days | Plan ahead; send at least a week before due date |
| In-person at Bass Pro (if available) | Next business day in account | Rare; confirm with your store first |
| Automatic payment (set up online) | 1 business day | Best for avoiding missed payments |
Paying more than the minimum
Paying more than the minimum payment reduces the interest you pay and gets you out of debt faster. If your statement balance is $2,000 and you pay $500 instead of the minimum $50, you cut months off your repayment timeline and save hundreds in interest charges. You can make extra payments anytime through your Synchrony account without penalty — there is no fee for paying early or paying more than required.
Some cardholders make a payment as soon as they make a purchase, rather than waiting for the statement. This keeps the balance low and reduces interest. Others make one large payment mid-month and another at the due date. Synchrony records all payments when ready in your online account, so you can track your progress in real time.
Frequently Asked Questions
Can I pay my Bass Pro credit card at a Bass Pro store?
Some locations accept in-person payments at the customer service desk, but not all. Call your local Bass Pro store to ask whether they offer this option. Even if they do, the payment is processed by Synchrony, not stored at the location, so allow one business day for it to appear in your online account.
What time of day do online payments post?
Online payments made through Synchrony typically post within one business day, but the exact time depends on when Synchrony processes the batch. Payments made early in the morning usually post by the next afternoon; payments made late in the day may not post until the following day. If your due date is tomorrow, call Synchrony instead to make sure your payment is recorded in time.
Will paying late hurt my credit score?
Yes. A payment reported as late to the credit bureaus will lower your score, even if you pay it a few days after the due date. The damage is greatest for payments 30 or more days late. A single late payment can drop your score by 50 to 100 points depending on your credit history. Synchrony reports to all three bureaus, so the impact appears on your Equifax, Experian, and TransUnion reports.
Can I change my due date?
Yes. Log into your Synchrony account, go to account settings, and look for the option to change your statement closing date or payment due date. Synchrony usually allows you to move your due date by a few days, though the exact flexibility varies. Changing your due date does not affect your current payment — you still owe what is on your current statement by the date printed on it.
What if I pay more than I owe?
If you overpay, Synchrony holds the extra amount as a credit on your account. Your next statement will subtract that credit from your new balance. If you overpay significantly and want the money back, you can contact Synchrony to request a refund, though this takes several business days. Most people straightforward let the credit explore to future purchases.