F21 is a store card issued by Synchrony Bank, and you can pay it online, by phone, by mail, or in person at a Family Dollar or Dollar Tree store
F21 stands for Family Dollar 21, a credit card that Synchrony Bank issues for use at Family Dollar and Dollar Tree locations. The card works like any other store card — you charge purchases, receive a bill, and pay it back. Synchrony handles the account, so payment goes to them, not to the store itself.
You have four main ways to pay: through Synchrony's website or mobile app, by calling their customer service line, by mailing a check, or by paying in person at a Family Dollar or Dollar Tree register. The fastest and most reliable method is online or by phone, since you get when ready confirmation. In-store payments and mail take longer to post to your account.
Key Takeaways
- Pay online at Synchrony's website or through their mobile app — this is the fastest way and shows your payment when ready.
- Call Synchrony's customer service number on the back of your card to pay by phone; have your account number and payment amount ready.
- Mail a check to the address shown on your bill, but allow 7 to 10 business days for it to reach and post.
- Pay in person at any Family Dollar or Dollar Tree register, though this method takes several days to show on your account.
- Set up automatic payments through Synchrony if you want the same amount deducted on the same day each month.
Paying online or through the Synchrony app
Go to Synchrony's website at mysynchrony.com and log in with your username and password. If you do not have an account set up yet, you will need your card number and Social Security number to register. Once logged in, select "Make a Payment" and enter the amount you want to pay.
You can pay from a checking or savings account, or use a debit card. Synchrony will ask you to choose a payment date — you can pay when ready or schedule it for a future date. If you pay from a bank account, the money usually posts within one business day. Debit card payments may take slightly longer.
The Synchrony mobile app works the same way. read it from the Apple App Store or Google Play, log in, and tap the payment option. Many people find the app faster than the website because it remembers your bank details.
Paying by phone
Call the number on the back of your F21 card. A representative will answer and ask for your account number and the amount you want to pay. Have your checking or savings account information ready if you plan to pay from your bank.
Phone payments are processed the same day you call, and the money usually posts within one business day. This method works well if you prefer talking to a person or if you do not have internet access. Synchrony's phone lines are open during business hours, typically 8 a.m. to 9 p.m. Eastern time, Monday through Friday, and limited hours on weekends.
Paying by mail
Write a check or money order payable to Synchrony Bank. On the back of the check, write your F21 account number so they know which account to credit. Enclose the check with your bill statement — the statement has a tear-off section with the mailing address printed on it.
Mail payments take 7 to 10 business days to arrive and post. If your due date is coming up soon, do not rely on mail — use online or phone payment instead. If you mail a payment and then make another payment online before the mail arrives, Synchrony will credit both, so you may overpay that month.
Paying in person at a store
You can walk into any Family Dollar or Dollar Tree location and ask to pay your F21 card at the register. Bring your card or account number. The store will take your cash or debit card payment and give you a receipt.
In-store payments take 3 to 5 business days to show on your account because the store has to send the payment to Synchrony. If your bill is due in two days, paying in person will not meet your due date in time — use online or phone payment instead. In-store payments are most useful if you shop at the store regularly and want to pay while you are there, not as your primary payment method.
Setting up automatic payments
If you want Synchrony to deduct the same amount from your bank account on the same day each month, you can set up autopay through your online account. Log in to mysynchrony.com, go to "Manage Autopay," and choose the amount and date. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum payment.
Autopay removes the risk of forgetting a payment and triggering a late fee. You can change or cancel it anytime through your account. If your balance varies month to month, set autopay to pay the full statement balance so you do not carry interest charges.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your bill, Synchrony will charge a late fee — usually $25 to $35 depending on your account terms. Your interest rate may also increase, and the missed payment will show on your credit report after 30 days.
If you realize you will miss a due date, call Synchrony before the date passes. They cannot waive the fee, but they can tell you the exact time the payment must arrive to avoid it. If you are more than 30 days late, contact them to discuss a payment plan — many cardholders can negotiate a one-time fee waiver or a reduced rate if they have been on time in the past.
Frequently Asked Questions
Can I pay my F21 card with a credit card?
No. Synchrony does not accept credit card payments for F21 accounts. You must pay from a bank account, debit card, cash, or check. Paying a credit card with another credit card usually counts as a cash advance anyway, which carries high fees and interest.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account. You can use it toward your next purchase or request a refund by calling customer service. Refunds by check take 7 to 10 business days.
Is there a fee to pay online or by phone?
No. Synchrony does not charge a fee for online, app, or phone payments. In-store payments and mail are also free. The only cost is the postage if you mail a check.
How do I know my payment went through?
Online and app payments show a confirmation number when ready. Phone payments give you a confirmation number when you hang up. Write it down or take a screenshot. Mail and in-store payments do not give when ready confirmation — check your account online a few days later to confirm they posted.
Can I pay before my due date?
Yes. You can pay anytime, even if your bill is not due yet. Paying early reduces the interest you owe if you carry a balance, and it lowers your credit utilization ratio, which helps your credit score.