Paying your Jared credit card works the same way as most retail cards — you can pay online, by phone, by mail, or in store
Jared credit cards are issued by Synchrony Bank, so payments go to Synchrony, not directly to Jared. You can make a payment as soon as the day after you charge something, and you can pay more than the minimum at any time without penalty. The card issuer does not charge a fee for paying early or paying in full.
The most common payment methods are online through your Synchrony account, by phone to Synchrony's customer service line, or by mailing a check to the address on your statement. Some Jared locations also accept in-store payments, though this is less common than the other routes and you should call ahead to confirm.
Key Takeaways
- Jared credit card payments are processed by Synchrony Bank, not by Jared itself, so you pay Synchrony directly.
- You can pay online through your Synchrony account, by phone, by mail, or sometimes in store, with no fee for paying early or paying more than the minimum.
- Your payment due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
- Setting up automatic payments through your bank or Synchrony's website reduces the risk of missing a due date.
Paying online through your Synchrony account
The fastest and most common way to pay is through Synchrony's website or mobile app. Go to synchronybank.com, log in with your username and password, and select your Jared card from the list of accounts. From there you can see your balance, due date, and a payment box where you enter the amount you want to pay and the date you want it to process.
Online payments typically post within one business day if you submit them before the cutoff time (usually 8 p.m. Eastern). If you are close to your due date, paying online gives you the fastest confirmation that the payment went through. You can also set up a one-time payment or recurring automatic payments through the same portal, which is useful if you want the same amount to come out on the same day each month.
Paying by phone or mail
You can call Synchrony's customer service line to make a payment over the phone. The number is on the back of your card and on your monthly statement. A representative will ask for your account number, the amount you want to pay, and the date you want it to process. Phone payments are processed the same day if you call before the cutoff time, usually 8 p.m. Eastern.
To pay by mail, write a check to Synchrony Bank, include your account number on the check, and mail it to the address shown on your statement. Mail payments take longer to arrive and post — typically 7 to 10 business days — so do not use this method if you are close to your due date. Always keep a copy of the check or a photo of it for your records.
In-store payments at Jared
Some Jared locations accept credit card payments in person, but this is not available at every store. Call your local Jared before you go, or ask a sales associate when you are there. If your store does accept payments, you can pay with cash, debit card, or another credit card — not with the Jared card itself.
In-store payments are convenient if you are already at the store, but they do not post as quickly as online or phone payments. Ask for a receipt showing the payment amount and date, and verify that it appears on your account within a few business days.
Understanding your due date and minimum payment
Your monthly statement shows both your due date and your minimum payment amount. The due date is the last day you can pay without triggering a late fee. The minimum payment is the smallest amount Synchrony will accept; paying only the minimum keeps your account current but does not reduce your balance much if you are carrying a large amount.
If you miss your due date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may report the late payment to credit bureaus. Missing a payment by 30 days or more can lower your credit score and may trigger a higher interest rate on future purchases. Paying at least the minimum by the due date avoids these consequences.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. You can set them up through Synchrony's website by logging into your account, selecting your Jared card, and choosing the automatic payment option. You will enter the amount (minimum payment, a fixed amount, or your full balance each month) and the day you want it to come out.
You can also set up automatic payments through your own bank's bill-pay system. Log into your bank's website, add Synchrony Bank as a payee, and enter the mailing address from your Jared statement. Your bank will mail a check on the date you choose. This method is slower than paying through Synchrony directly, so schedule it at least 10 days before your due date to be safe.
What to do if you cannot pay by your due date
If you know you will miss your due date, call Synchrony as soon as possible. Explain your situation — a temporary hardship, a delayed paycheck, or an unexpected expense. Synchrony may be willing to work with you, though they are not required to. Some options they might offer include a short extension, a temporary lower payment, or a hardship plan that restructures your debt over a longer period.
Calling before you miss the due date is much better than calling after, because it shows you are trying to manage the debt rather than ignoring it. Have your account number ready and be prepared to explain when you can pay. Even if Synchrony cannot help, at least you will know what to expect and can plan your next steps.
Frequently Asked Questions
Can I pay my Jared card with a different credit card?
Synchrony does not accept credit card payments directly, but you can use a balance transfer or cash advance from another card to pay the Jared balance. This usually costs more in fees and interest, so it is only worth considering if you are trying to avoid a late fee or if the other card has a much lower interest rate.
What happens if I pay more than my minimum?
Paying more than the minimum reduces your balance faster and saves you interest over time. There is no penalty for overpaying or paying in full. If you pay your full balance before the due date, you will not owe any interest on that month's purchases.
How long does it take for a payment to show up on my account?
Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days. In-store payments may take a few business days. Always check your account a few days after paying to confirm the payment posted correctly.
What if I made a payment but it does not show up?
Log into your Synchrony account and check the payment history section to see if it is listed as pending or posted. If you paid online or by phone, you should have received a confirmation number — keep that for your records. If the payment is not showing after the expected time, call Synchrony customer service with your confirmation number and they can investigate.
Can I set up automatic payments for just the minimum, or do I have to pay the full balance?
You can choose to pay the minimum, a fixed amount, or your full balance each month. Paying only the minimum keeps your account current but leaves you carrying a balance and paying interest. Paying the full balance each month avoids interest entirely, but you need to make sure you have the money available on that date.