Where and how to pay your Children's Place credit card
The Children's Place credit card is issued by Synchrony Bank, so you send payments to Synchrony, not directly to the store. You can pay online through your Synchrony account, by phone, by mail, or in person at a Children's Place store. The fastest route is the online portal — you can set up a one-time payment or recurring automatic payments there without waiting on hold.
To pay online, log into your Synchrony account at Synchrony.com or use the Synchrony mobile app. You'll need your card number and PIN or password. The payment posts within one business day if you pay before the cutoff time (usually 8 p.m. Eastern). If you're paying after the due date, the online portal will show you the late fee amount before you confirm.
If you don't have an online account yet, you can create one at Synchrony.com using your card number and Social Security number. This takes about five minutes and gives you access to your balance, due date, and payment history anytime.
Key Takeaways
- Payments go to Synchrony Bank (the card issuer), not Children's Place, and can be made online, by phone, by mail, or in store.
- Online payments through your Synchrony account post within one business day and are the fastest way to avoid late fees.
- You can set up automatic monthly payments so you never miss a due date, and you can change or cancel them anytime.
- Calling Synchrony's payment line (1-800-925-7986) takes about 10 minutes but works if you don't have online access or prefer to speak to someone.
- Mailing a check takes 7 to 10 business days, so mail payments at least two weeks before your due date to avoid a late fee.
Paying by phone or mail if you can't use the online portal
If you prefer not to pay online, call Synchrony's payment line at 1-800-925-7986. You'll need your card number and the amount you want to pay. The call takes about 10 minutes, and the payment posts the next business day. Synchrony accepts payments from a checking or savings account, or you can authorize a one-time payment over the phone.
To pay by mail, send a check or money order to the address on your monthly statement. Write your card number on the check. Mail payments take 7 to 10 business days to post, so if your due date is coming up, mail at least two weeks in advance. Late fees explore if the payment doesn't post by the due date, regardless of when you mailed it.
Setting up automatic payments to avoid missed due dates
Automatic payments are the simplest way to stay current. Log into your Synchrony account, go to the "Payments" section, and select "Set Up Auto Pay." You can choose to pay the full balance, the minimum payment, or a fixed amount each month. Pick the date you want the payment to come out — most people choose a few days after payday so the money is in their account.
You can change or cancel automatic payments anytime through your online account. If you cancel, you'll need to make manual payments going forward. Synchrony will send you an email confirmation each time an automatic payment is processed, so you can track it.
What happens if you miss a payment or pay late
A late fee applies if your payment doesn't post by the due date shown on your statement. The fee amount varies but is typically $25 to $35 for the first late payment. If you're more than 30 days late, Synchrony may report the late payment to credit bureaus, which can lower your credit score.
If you realize you'll miss the due date, call Synchrony at 1-800-925-7986 as soon as possible. They can't waive a late fee that's already been charged, but they may be able to remove it if you've been on time before and ask. Paying when ready after you realize you're late stops additional fees from piling up.
Understanding your statement and due date
Your monthly statement shows your opening balance, purchases, payments, interest charges, and closing balance. The due date is printed near the top of the statement and is usually 21 to 25 days after the statement closing date. If the due date falls on a weekend or holiday, Synchrony moves it to the next business day.
Interest charges appear on your statement if you carried a balance from the previous month. The Children's Place card has a variable interest rate (APR), which means it can change. You can see your current APR on your statement or in your online account. Paying the full balance by the due date avoids interest charges entirely.
In-store payments at Children's Place locations
You can walk into any Children's Place store and make a payment on your credit card at the register. Tell the cashier you want to make a payment, and they'll process it through the store's system. The payment posts to Synchrony within one to two business days. This option works if you're already shopping or prefer to handle it in person, but it's slower than paying online.
In-store payments do not count as a payment method for automatic payments — you'd still need to set those up through your Synchrony account or by phone.
Frequently Asked Questions
Can I pay my Children's Place card at the store?
Yes, you can pay at any Children's Place register. The payment posts to Synchrony within one to two business days. However, this is slower than paying online or by phone, so it's not the best option if your due date is coming up soon.
What's the difference between the due date and the statement closing date?
The statement closing date is when Synchrony tallies up all your purchases and charges for that month. The due date is when your payment must post to avoid a late fee — usually 21 to 25 days after the closing date. You can see both dates on your statement.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount from the minimum payment up to the full balance. Paying only the minimum keeps your account current, but you'll owe interest on the remaining balance. Paying the full balance avoids interest charges.
What if I set up automatic payments but need to skip a month?
Log into your Synchrony account and pause or cancel the automatic payment before the scheduled payment date. You can restart it the following month or adjust the amount anytime. If you cancel, you'll need to make manual payments going forward.
How do I know if my payment went through?
Check your Synchrony account online or in the app — it will show pending and posted payments. You'll also receive an email confirmation for online and automatic payments. If you paid by mail or phone, call 1-800-925-7986 to confirm the payment posted.