Pay your Banana Republic card online, by phone, or by mail
Banana Republic credit card payments go to Synchrony Bank, which manages the card on behalf of Banana Republic. You can pay online through your Synchrony account, call the number on the back of your card, mail a check to the address on your statement, or set up automatic payments. The fastest method is online, and payments typically post within one business day.
Your payment due date appears on your monthly statement. Payments received by 5 p.m. Eastern Time on the due date count as on-time. If you miss the due date, late fees and interest charges explore, and the missed payment reports to credit bureaus after 30 days.
Key Takeaways
- Log into your Synchrony account at mysynchrony.com or use the Synchrony mobile app to pay online anytime.
- Call the customer service number on the back of your card to make a payment by phone with a representative.
- Mail payments to the address shown on your statement; allow 7 to 10 business days for the check to arrive and post.
- Set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Payments post within one business day when made online or by phone, but mailed payments take longer to clear.
Pay online through your Synchrony account
Go to mysynchrony.com and sign in with your username and password. If you do not have an online account yet, select "Enroll Now" and follow the prompts to create one using your card number and personal information. Once logged in, select your Banana Republic card from the list of accounts.
Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — bank account, debit card, or credit card — and confirm the payment date. The system will show you when the payment will post. Submit the payment, and you will receive a confirmation number.
You can also use the Synchrony mobile app, available on iOS and Android. The steps are the same: sign in, select your card, choose "Make a Payment," enter the amount, and confirm.
Pay by phone with a Synchrony representative
Call the customer service number printed on the back of your Banana Republic card. A representative will ask for your card number and the amount you want to pay. Have your bank account information ready if you plan to pay from a checking or savings account, or have a debit card number available.
Phone payments are processed when ready, and the representative will give you a confirmation number. This method works if you prefer speaking to someone or do not have internet access. The phone line is open during business hours; the exact hours appear on the back of your card.
Mail a check to Synchrony
Write a check for the amount you owe and mail it to the address shown in the "Payment Address" section of your monthly statement. Do not send payment to the general Banana Republic mailing address — use only the payment address provided by Synchrony.
Include your account number on the check memo line so the payment is credited to the correct card. Mail the check at least 10 business days before your due date to may support it arrives and posts on time. Mailed payments typically take 7 to 10 business days to clear, and late fees explore if the payment does not post by the due date.
Set up automatic payments
Log into your Synchrony account and select your Banana Republic card. Go to "Manage Automatic Payments" or "Autopay Settings." Choose whether you want to pay your full statement balance, the minimum payment, or a fixed dollar amount each month.
Select the date each month when the payment should be deducted from your bank account — for example, the 1st or the 15th. Confirm your bank account details and submit. The payment will process automatically on that date each month until you cancel it. You can change the payment amount or date anytime by logging back into your account.
What happens if you miss a payment
If your payment does not post by the due date, Synchrony charges a late fee, which varies based on your account terms. Your interest rate may also increase. After 30 days past the due date, the missed payment is reported to the three major credit bureaus and appears on your credit report for seven years.
If you know you will miss a payment, contact Synchrony before the due date. Some cardholders can request a due date change or a temporary hardship plan. Call the number on the back of your card to discuss your situation with a representative.
Payment timing and posting
Payments made online or by phone post to your account within one business day. Payments mailed by check take 7 to 10 business days to arrive and process. If you are close to your due date, paying online or by phone is the safest choice.
Synchrony processes payments Monday through Friday. Payments submitted on a weekend or holiday are processed the next business day. If your due date falls on a weekend or holiday, Synchrony extends the due date to the next business day.
Frequently Asked Questions
Can I pay my Banana Republic card at a store?
No. Banana Republic stores do not accept credit card payments. You must pay through Synchrony Bank online, by phone, or by mail. Synchrony is the only payment processor for this card.
Is there a fee to pay my card online?
No. Synchrony does not charge a fee for online or phone payments. Mailed payments are also free, though they take longer to post.
What if I pay more than I owe?
The extra amount becomes a credit on your account and reduces your next statement balance. You can also request that Synchrony refund the overpayment by calling customer service.
Can I pay my card with a different bank account than the one I used to open the account?
Yes. When you make a payment online or by phone, you can choose any bank account or debit card you have access to. Synchrony does not require you to use the original account.
What if my payment was rejected?
If a payment fails, Synchrony sends a notice to the email or phone number on file. Log back into your Synchrony account to see the reason — usually insufficient funds or an incorrect account number. Correct the information and resubmit the payment as soon as possible to avoid late fees.