Pay your GameStop credit card online, by phone, or by mail
The GameStop 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 fastest and most direct route is logging into your Synchrony account online, where you can see your balance and make a payment in minutes.
Your payment due date appears on your monthly statement. Payments made online or by phone typically post within one business day. If you mail a check, allow 7 to 10 business days for it to arrive and be processed. Setting up automatic payments removes the need to remember your due date each month.
Key Takeaways
- Log into your Synchrony account at mysynchrony.com to pay online with a debit card, bank account, or digital wallet.
- Call Synchrony customer service at the number on the back of your card to make a payment by phone.
- Mail a check to the address shown on your statement, allowing 7 to 10 business days for processing.
- Set up automatic payments through your Synchrony account to have your full balance or a fixed amount deducted each month.
- Payments made online or by phone post within one business day; late fees begin if payment is not received by your due date.
Pay online through your Synchrony account
Go to mysynchrony.com and sign in with your username and password. If you do not have an account set up yet, select "Enroll Now" and follow the prompts to register using your card number and personal information. Once logged in, you will see your current balance, due date, and recent transactions.
Click "Make a Payment" or "Pay Now" (the exact wording varies by screen). Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment method: debit card, bank account (ACH transfer), or a digital wallet like Apple Pay or Google Pay if your browser supports it. Review the details and confirm. Your payment posts within one business day.
If you want to set up a recurring automatic payment, select "Manage Auto Pay" from your account dashboard. Choose whether to pay the full statement balance or a fixed dollar amount each month, and pick your payment date. Automatic payments reduce the risk of missing a due date and incurring late fees.
Pay by phone with Synchrony customer service
Call the number printed on the back of your GameStop credit card. A representative will verify your identity by asking for your card number, date of birth, or other personal information. Tell them you want to make a payment and provide the amount.
You can pay by debit card or bank account over the phone. Have your routing and account number ready if you choose to pay from a bank account. The representative will confirm the payment amount and when it will post. Phone payments typically post within one business day, just like online payments.
Synchrony's phone lines are open during standard business hours. If you call outside those hours, you may reach an automated system that allows you to make a payment without speaking to a representative, though the process is slower than calling during business hours.
Pay by mail with a check or money order
Write a check or money order for the amount you owe. On the memo line, write your GameStop credit card number so Synchrony knows which account to credit. Include your account number on the check itself if there is space.
Mail your payment to the address shown on your monthly statement under "Payment Address" or "Send Payment To." Do not mail to the corporate headquarters or a store location — use only the address on your statement. Include your full name and card number on the envelope if possible, so the payment is not delayed if the check becomes separated from your statement.
Allow 7 to 10 business days for your check to arrive and be processed. If your due date is fewer than 10 days away, paying by mail risks a late payment. For time-sensitive payments, use online or phone payment instead. Keep a copy of the check or note the check number and amount in case you need to track the payment later.
Set up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. Log into your Synchrony account, go to "Manage Auto Pay," and select how much you want paid each month: the full statement balance, the minimum payment, or a fixed dollar amount you choose. Pick the date each month when the payment should be deducted from your bank account.
If you choose to pay the full statement balance automatically, your account will be paid in full each month and you will not carry a balance or pay interest. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you may still incur late fees. You can change or cancel automatic payments at any time through your account.
Automatic payments are deducted from your bank account via ACH transfer, which typically posts within one to two business days. Set your payment date a few days before your due date to give the transfer time to clear. If your bank account does not have enough funds on the scheduled date, the payment may fail and you could face a late fee.
Understand your payment due date and late fees
Your payment due date is listed on your monthly statement and in your online account. Synchrony considers a payment late if it is not received by 5 p.m. Eastern Time on your due date. Late payments trigger a late fee, which Synchrony adds to your next statement. The amount of the late fee depends on your account terms, but typically ranges based on how late the payment is.
Paying late also affects your credit score. A payment reported as 30 days late or more can lower your score and remain on your credit report for up to seven years. If you miss a payment, contact Synchrony as soon as possible to discuss your options. In some cases, they may waive a single late fee if you have a good payment history.
If you are having trouble making your payment, call Synchrony before your due date to discuss hardship options or payment plans. Waiting until after the due date passes makes it harder to avoid fees and credit damage.
What to do if your payment does not post
If you made a payment online or by phone and it does not appear in your account within one business day, log back into your Synchrony account to check the status. Your account dashboard will show pending payments and when they are expected to post. If the payment shows as pending, wait another business day before taking further action.
If the payment does not appear after two business days, or if it shows as declined, call Synchrony customer service. Have your confirmation number ready if you made the payment online. The representative can look up the transaction and tell you whether it went through, was rejected, or is still processing. If the payment was rejected due to insufficient funds or an expired card, you will need to make the payment again using a different method or account.
If you mailed a check and your due date has passed without the payment posting, call Synchrony to report it. They may be able to see if the check arrived and is being processed, or they can help you stop payment on the check and make a payment by phone instead. Keep records of all payments you make, including confirmation numbers for online and phone payments and check numbers for mailed payments.
Frequently Asked Questions
Can I pay my GameStop credit card at a GameStop store?
No. GameStop stores do not accept credit card payments. You must pay through Synchrony Bank, which issues the card. Use the online portal, phone line, mail, or automatic payment — those are your only options.
Is there a fee to pay my credit card bill?
No. Synchrony does not charge a fee for making a payment online, by phone, or by mail. Automatic payments are also free. You only pay interest if you carry a balance month to month.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Synchrony. Refunds typically take 5 to 7 business days to appear in your bank account.
Can I change my due date?
You can request a due date change by calling Synchrony customer service. They may be able to move your due date to a date that works better with your pay schedule, though not all accounts are may be able to access for changes. Ask what options are available for your account.
What if I want to dispute a charge on my bill?
Contact Synchrony customer service and explain the charge you want to dispute. They will walk you through their dispute process, which typically involves submitting a written claim. You do not need to withhold payment while a dispute is being investigated, but disputing a charge does not erase your obligation to pay other charges on your bill.