BJ's Wholesale Club credit card payments go to Synchrony Bank, not to BJ's directly
BJ's Wholesale Club issues its credit card through Synchrony Bank, which means you send payments to Synchrony, not to BJ's. This matters because the payment address, phone number, and online portal are all separate from your BJ's membership account. If you pay BJ's by mistake, the payment will not reach your credit card account and your bill will remain unpaid.
Synchrony handles all billing, statements, and payment processing for the BJ's credit card. You can pay online through Synchrony's website, by phone, by mail, or through automatic bank transfers. The method you choose affects how quickly the payment posts and whether you have to remember to pay each month.
Key Takeaways
- BJ's credit card payments are processed by Synchrony Bank, not BJ's Wholesale Club, so you need Synchrony's payment address and account number.
- Online payment through Synchrony's website is the fastest method and posts within one business day in most cases.
- Automatic payments from your bank account can prevent late payments if you set them up before your due date each month.
- Mailed payments take seven to ten business days to reach Synchrony, so send them at least two weeks before your due date to avoid a late fee.
- Your BJ's credit card statement shows Synchrony's contact information and payment instructions on the front or back of the bill.
Paying online through Synchrony's website or mobile app
The fastest way to pay is through Synchrony's online payment portal at mysynchrony.com. Log in with your account number and password, navigate to the payment section, and enter the amount you want to pay. You can pay from a checking or savings account, and the payment usually posts within one business day. If you pay before 8 p.m. Eastern time on a business day, it typically posts the same day.
Synchrony also offers a mobile app where you can make payments on the same schedule. The app shows your current balance, due date, and recent transactions. You can set up one-time payments or recurring automatic payments through the app as well.
If you do not have an online account yet, you can create one at mysynchrony.com using your account number and Social Security number. You will receive a temporary password by email, which you can change after your first login.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting to pay and incurring a late fee. Through Synchrony's website, you can set up automatic payments to deduct money from your bank account on a date you choose each month. You can pay the full statement balance, the minimum payment, or a fixed amount you decide.
To set up automatic payments, log into mysynchrony.com, go to the payment settings, and select "Automatic Payments." You will need your bank account number and routing number. Synchrony will verify the account with two small deposits, which you confirm to set up the automatic payment.
Once automatic payments are active, you can still make additional one-time payments if you want to pay down the balance faster. You can also change or cancel automatic payments at any time through your online account.
Paying by phone with a Synchrony representative
You can pay over the phone by calling Synchrony's customer service number, which appears on your credit card statement and billing statement. A representative will ask for your account number and the amount you want to pay, then process the payment using your checking account or debit card.
Phone payments are available during Synchrony's business hours, typically Monday through Friday from 8 a.m. to 9 p.m. Eastern time, and Saturday from 9 a.m. to 6 p.m. Eastern time. The payment posts within one business day. Phone payments are useful if you have questions about your account or need help setting up a payment, but they take longer than online payment because you have to wait for a representative.
Mailing a check or money order to Synchrony
You can mail a payment by check or money order to the address shown on your billing statement. Write your account number on the check or money order. Mail payments take seven to ten business days to arrive and post, so send your payment at least two weeks before your due date to avoid a late fee.
The mailing address for BJ's credit card payments changes based on where Synchrony processes payments in your region. Always use the address printed on your statement rather than looking up an address online, because using the wrong address delays your payment.
Keep a record of the check number and the date you mailed it. If the payment does not post within ten business days, contact Synchrony to confirm they received it.
What happens if you miss a payment or pay late
A payment is late if it arrives after your due date. Synchrony charges a late fee, usually between $25 and $40 depending on your account terms, if your payment is even one day late. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss your due date, contact Synchrony as soon as possible. Some accounts have a grace period of a few days, though this is not may provide. Paying as soon as you can, even if it is late, stops additional fees from accumulating.
If you have trouble making a full payment, Synchrony may offer a payment plan or hardship program. Call the number on your statement to discuss your situation with a representative.
Finding your account number and payment information
Your BJ's credit card account number appears on the front of your physical card and on every billing statement. Your statement also shows your current balance, minimum payment due, and due date. The statement lists Synchrony's payment address, phone number, and website.
If you have lost your statement or cannot find Synchrony's contact information, call the customer service number on the back of your BJ's credit card. A representative can provide the payment address and help you set up online access to your account.
Frequently Asked Questions
Can I pay my BJ's credit card at a BJ's store?
No. BJ's stores do not accept credit card payments. You must pay through Synchrony Bank using one of the methods listed on your statement: online, by phone, by mail, or through automatic bank transfer.
How do I know if my payment posted?
Log into your Synchrony account at mysynchrony.com to see your current balance and recent payments. Online and phone payments post within one business day. Mailed payments take seven to ten business days. If a payment does not post within the expected timeframe, contact Synchrony.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account and explore it to your next statement. You can also request a refund by calling Synchrony's customer service number on your statement.
Can I change my due date?
Yes. Log into mysynchrony.com and look for account settings or billing options. You can usually change your due date to any day of the month. The change takes effect on your next billing cycle.
What if I cannot pay the full balance?
You can pay the minimum amount shown on your statement to avoid a late fee, though interest will accrue on the remaining balance. To pay less than the full balance without penalty, contact Synchrony to discuss a payment plan or hardship options.