Where to send your Catherines credit card payment
Catherines, the women's clothing retailer, issues a credit card through Synchrony Bank. When you make a payment, you are sending money to Synchrony, not directly to Catherines. The payment address and methods available depend on which Synchrony card you hold — the Catherines Credit Card or the Catherines Mastercard.
You can pay by mail, phone, or online through your Synchrony account. The mailing address for payments is printed on your monthly statement. If you pay by mail, allow 5 to 7 business days for the payment to reach Synchrony and post to your account. Paying online or by phone posts the same day or next business day, depending on the time you submit.
The fastest and most reliable method is to log into your Synchrony account online or through the Synchrony mobile app. You can set up one-time payments or recurring automatic payments from a bank account or debit card. This method also lets you see your balance and due date when ready, without waiting for a statement to arrive.
Key Takeaways
- Catherines credit card payments go to Synchrony Bank, the card issuer, not to Catherines the retailer.
- You can pay online through your Synchrony account, by phone at the number on your statement, or by mail to the address printed on your bill.
- Online and phone payments post within one business day; mailed payments take 5 to 7 business days to reach Synchrony.
- Setting up automatic payments through your Synchrony account prevents missed due dates and late fees.
- Your monthly statement shows your current balance, minimum payment due, and the due date — review it before each payment.
Paying online through Synchrony
Log into your account at Synchrony.com or open the Synchrony mobile app. Enter your card number or the email address associated with your account, then your password. Once logged in, select "Make a Payment" or "Pay Now" from the menu.
Choose the payment amount — you can pay the full balance, the minimum payment, or any amount in between. Select your payment method: a bank account (ACH transfer) or a debit card. Bank account transfers are free and post within one business day. Debit card payments also post within one business day but may carry a fee depending on Synchrony's current policy.
Review the payment details before confirming. Synchrony will show you the date the payment will post and your new balance after the payment clears. Keep the confirmation number for your records.
Paying by phone
Call the customer service number on the back of your Catherines credit card or on your monthly statement. A representative will ask for your card number and the amount you want to pay. You will need a bank account or debit card ready to provide payment information over the phone.
Phone payments are processed the same day if you call before the cutoff time, which is usually in the evening. Payments made after the cutoff or on weekends and holidays post the next business day. Ask the representative for a confirmation number and the date the payment will post.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your account number on the check. Place the check and your payment stub (the bottom portion of your statement) in an envelope and mail it to the address shown on your bill.
The U.S. Postal Service typically delivers mail within 3 to 5 business days, but processing times vary by location. Once Synchrony receives your payment, it takes an additional 1 to 2 business days to post to your account. For this reason, mailed payments should be sent at least 10 days before your due date to avoid a late payment.
Do not mail cash. If you do not have a checking account or prefer not to write a check, use online or phone payment instead.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account, select "Manage Autopay" or "Set Up Automatic Payments," and choose a payment amount and frequency. You can set payments for the full balance, the minimum payment, or a fixed dollar amount.
Select the date each month when you want the payment to leave your bank account — for example, the 1st or the 15th. Synchrony will deduct the payment automatically on that date each month. You can change or cancel automatic payments at any time through your account.
Automatic payments are deducted from a bank account (ACH) and are free. This method is especially useful if you carry a balance and want to may support you never miss a payment and incur a late fee.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount of the late fee depends on your account terms but is typically $25 to $40 for the first late payment. A second late payment within six months may result in a higher fee.
A late payment also appears on your credit report and can lower your credit score. The impact is greatest if the payment is 30 or more days late. If you realize you will miss the due date, contact Synchrony when ready — some accounts may may have access to for a one-time courtesy waiver, though this is not may provide.
If you are having trouble making payments, Synchrony may offer hardship programs or payment plans. Call the number on your statement to discuss your situation with a representative.
Frequently Asked Questions
Can I pay my Catherines card at a Catherines store?
No. Catherines stores do not accept credit card payments. You must pay through Synchrony Bank using one of the methods listed above: online, by phone, or by mail. You can use your Catherines card to make purchases at Catherines locations, but payments must go to Synchrony.
What is the difference between the Catherines Credit Card and the Catherines Mastercard?
Both are issued by Synchrony Bank and use the same payment methods. The main difference is that the Mastercard can be used anywhere Mastercard is accepted, while the regular Catherines Credit Card works only at Catherines and Catherines.com. Payment addresses and phone numbers are the same for both cards.
How do I know if my payment was received?
Log into your Synchrony account and check your transaction history. Your statement will also show all payments received. If you paid by mail and want confirmation, you can call Synchrony customer service with your check number or the date you mailed the payment, and they can tell you whether it has posted.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount between the minimum and your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
What if I want to dispute a charge on my Catherines card?
Contact Synchrony customer service at the number on your statement or through your online account. Explain the charge you want to dispute, and Synchrony will investigate. You are not required to pay the disputed amount while the investigation is underway, though it may affect your available credit.