Where to Pay Your Jared Credit Card
Jared issues its credit card through Synchrony Bank, so you make payments directly to Synchrony, not to Jared itself. You can pay online through the Synchrony portal, by phone, by mail, or in person at any Jared store. The fastest and most reliable method is online through your Synchrony account, where you can see your balance and payment history in real time.
If you do not yet have a Synchrony online account, you will need to set one up before you can pay online. This takes about five minutes and requires your card number, Social Security number, and date of birth. Once your account is active, you can log in anytime to make a payment or check your statement.
Key Takeaways
- Your Jared credit card is issued by Synchrony Bank, so you send payments to Synchrony, not to Jared.
- You can pay online at Synchrony's website, by phone at the number on your card, by mail to the address on your statement, or at a Jared store.
- Online payments typically post within one business day, while mail payments take seven to ten business days to reach Synchrony.
- Your payment due date appears on your monthly statement, and paying by that date avoids late fees and interest charges.
- You can set up automatic monthly payments through your Synchrony account so you never miss a due date.
Paying Online Through Synchrony
Go to Synchrony's payment website at mysynchrony.com. Enter your username and password. If you do not have an account yet, click "Enroll" and follow the prompts to create one using your card details and personal information.
Once you are logged in, select "Make a Payment" or "Pay Now." You will see your current balance and minimum payment due. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment date. Synchrony allows you to schedule a payment up to 30 days in advance, which is useful if you want to time it with your paycheck.
Select your payment method. Most people pay from a checking or savings account using their routing and account number. You can also pay with a debit card. Review the details and confirm. Your payment will post within one business day.
Paying by Phone or Mail
To pay by phone, call the number on the back of your Jared credit card. A Synchrony representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Phone payments post within one business day, the same as online payments.
To pay by mail, write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your monthly statement — this address changes based on where Synchrony is processing payments that month, so always use the address from your most recent bill.
Mail payments take seven to ten business days to arrive and post. If your due date is coming up soon, mail is not a reliable option. Use online or phone payment instead.
Paying at a Jared Store
You can walk into any Jared location and make a payment on your Jared credit card at the register. Bring your card or tell the cashier your account number. You can pay with cash, debit card, or another credit card. The store will process the payment and give you a receipt.
In-store payments are convenient if you are already shopping at Jared, but they take the same seven to ten business days to post as mail payments because the store has to send the payment to Synchrony. Do not rely on an in-store payment if your due date is within the next week.
Setting Up Automatic Payments
Log into your Synchrony account and look for "Automatic Payments" or "Recurring Payments" in the account settings menu. Choose whether you want to pay your full statement balance, your minimum payment, or a fixed amount each month. Select the day of the month you want the payment to come out — many people choose the day after they get paid.
Automatic payments remove the risk of forgetting a due date. Your payment will post on schedule every month without you having to log in or call. You can change or cancel automatic payments anytime through your account, and Synchrony will send you a confirmation email each time a payment is processed.
Understanding Your Due Date and Late Fees
Your payment due date is listed on your monthly statement and in your online account. Synchrony gives you at least 21 days from the statement closing date to pay. If you pay after the due date, you will be charged a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment.
More importantly, if you carry a balance and pay late, Synchrony may explore a higher interest rate to your account going forward. Paying on time protects your credit score and keeps your interest rate from increasing. If you are struggling to make a payment, contact Synchrony before the due date to discuss your options.
What to Do If You Cannot Find Your Account
If you have lost your Synchrony login information, go to mysynchrony.com and click "Forgot Username" or "Forgot Password." Synchrony will send a reset link to the email address on file. If you do not remember the email you used to set up your account, call the number on the back of your Jared card and a representative can help you recover your account or process a payment over the phone.
If you have never received a statement or set up an online account, your card may be new or inactive. Call Synchrony at the number on your card to confirm your account is open and to get your account number. Once you have that, you can enroll in the online portal.
Frequently Asked Questions
How long does it take for my payment to show up?
Online and phone payments post within one business day. Mail and in-store payments take seven to ten business days. If your due date is coming up, use online or phone payment to make sure Synchrony receives it on time.
Can I pay my Jared credit card at a Jared store?
Yes, you can pay at any Jared register. However, in-store payments take the same seven to ten days to post as mail payments, so they are not faster. Use the store for convenience, not speed.
What happens if I miss my due date?
You will be charged a late fee, typically $25 to $40. Your interest rate may also increase. If you are more than 30 days late, the late payment will be reported to credit bureaus and damage your credit score.
Can I set up automatic payments for a fixed amount instead of my full balance?
Yes. In your Synchrony account, you can choose to pay a fixed dollar amount each month, your minimum payment, or your full statement balance. You can change this anytime.
Is there a fee to pay my Jared credit card?
No. Synchrony does not charge a fee for making a payment, regardless of whether you pay online, by phone, by mail, or in person at a Jared store.