Pay your Buckle credit card online, by phone, or by mail
The Buckle credit card is issued by Synchrony Bank. You can pay your bill through Synchrony's online portal, by calling their customer service line, by mailing a check, or by setting up automatic payments from your bank account. The method you choose depends on how quickly you need the payment to post and whether you want to handle it once or set it to repeat each month.
Payments made online or by phone typically post within one business day. Mail payments take longer — usually five to seven business days from the date you send them. If you are close to your due date, online or phone payment is the safer choice to avoid late fees.
Key Takeaways
- Log into your Synchrony account at mysynchrony.com or use the Synchrony mobile app to pay online anytime.
- Call Synchrony customer service at the number on the back of your card to pay by phone with a representative.
- Set up automatic payments through your Synchrony account so your bill pays on the same date each month without you having to remember.
- Mail payments should be sent at least seven to ten days before your due date to arrive on time.
- Your due date appears on your monthly statement and in your online account — paying by that date avoids late fees and interest charges.
Pay online through Synchrony's website or app
Go to mysynchrony.com and sign in with your username and password. If you do not have an online account yet, you can create one by entering your card number and other identifying information. Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard or in the main menu.
Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use a debit card. Review the details and confirm the payment. Synchrony will show you a confirmation number and tell you when the payment will post, usually within one business day.
The Synchrony mobile app works the same way. read it from the Apple App Store or Google Play, sign in with your credentials, and select the payment option. Mobile payments post on the same timeline as website payments.
Pay by phone with a Synchrony representative
Call the customer service number printed on the back of your Buckle credit card. A representative will verify your identity and ask how much you want to pay. Have your checking or savings account information ready if you plan to pay from your bank account, or have a debit card available.
Phone payments also post within one business day. The representative will give you a confirmation number and tell you the expected posting date. This method works well if you prefer speaking to someone or if you have questions about your account at the same time.
Set up automatic payments so you never miss a due date
Log into your Synchrony account online and look for an "Autopay" or "Automatic Payments" section, usually under account settings or payment options. You can choose to pay your full statement balance, a fixed dollar amount, or your minimum payment each month on a date you select.
Most people choose to pay the full balance automatically on the due date shown on their statement. This prevents late fees and interest charges without requiring you to remember each month. You can change or cancel automatic payments anytime through your account.
If you set up autopay to pay your full balance, make sure you have enough money in your bank account on that date. If the payment fails due to insufficient funds, you may be charged a late fee.
Mail a check or money order
Write a check or money order payable to Synchrony Bank. On the back of the check, write your Buckle credit card number so the payment is applied to the correct account. Include a payment stub from your statement if you have one — this helps Synchrony match the payment to your account faster.
Mail your payment to the address shown on your statement under "Payment Address" or "Make Payments To." Do not mail it to the corporate headquarters address; use only the payment processing address provided in your statement. Mail payments take five to seven business days to arrive and post, so send your check at least seven to ten days before your due date.
Keep a copy of your check or a photo of it for your records. If you are concerned about whether your payment arrived, you can log into your Synchrony account a few days after mailing to confirm it has posted.
Understand your due date and avoid late fees
Your due date is listed on your monthly statement and in your online account. Payments are considered on time if they post by 5 p.m. Eastern Time on the due date. If you pay after that time or after the due date, you will be charged a late fee and your interest rate may increase.
If you miss a payment, contact Synchrony as soon as possible. Depending on how late the payment is, you may still be able to bring your account current and limit the damage to your credit. Synchrony customer service can discuss options with you.
What to do if you cannot pay your full balance
You are not required to pay your full balance each month — you can pay any amount that is at least your minimum payment, shown on your statement. However, any balance you do not pay will be charged interest at your card's APR, which varies based on your creditworthiness and current market rates.
If you are struggling to pay, contact Synchrony before your due date. They may be able to discuss a hardship plan or other options. Paying at least the minimum on time is better than missing the payment entirely, which damages your credit and triggers late fees.
Frequently Asked Questions
How do I know if my payment posted?
Log into your Synchrony account online or in the app and check your account balance and transaction history. Payments made online or by phone post within one business day. Mail payments take five to seven business days. You can also call customer service to confirm a payment has posted.
Can I pay my Buckle card with a credit card or another card?
No. Synchrony only accepts payments from a checking or savings account, a debit card, or by check or money order. You cannot pay a credit card balance with another credit card.
What happens if I pay late?
A late fee will be charged to your account, usually $25 to $40 depending on your account terms. Your interest rate may also increase, and the late payment will appear on your credit report. Contact Synchrony when ready if you miss a due date to discuss your options.
Is there a fee to pay my bill online or by phone?
No. Synchrony does not charge a fee for online or phone payments. Mail payments are also free, though they take longer to post.
Can I change my automatic payment amount or date?
Yes. Log into your Synchrony account, find your autopay settings, and update the amount or date anytime. Changes usually take effect within one or two billing cycles. You can also cancel autopay and switch to manual payments whenever you want.