Pay your Kays credit card online, by phone, or by mail
Kays 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 processed and whether you want to pay the full balance or a partial amount.
Most payments made online or by phone post to your account within one business day. Mail payments take longer — typically 7 to 10 business days from the date you mail them — so plan ahead if your due date is approaching. Automatic payments are the most reliable way to avoid late fees, since the payment is deducted on a date you choose each month.
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.
- Mail payments should be sent to the address shown on your statement, and you should allow 7 to 10 business days for delivery and posting.
- Set up automatic payments through your Synchrony account to have a fixed amount deducted on the same day each month.
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, you can create one by clicking "Enroll Now" and following the prompts. You will need your card number and Social Security number to set up your account for the first time.
Once you are logged in, select your Kays card from the list of accounts if you have more than one. Click "Make a Payment" or "Pay Now" — the exact wording varies depending on the page layout. Enter the amount you want to pay and choose your payment date. Synchrony will show you the available dates based on when you need the money to post. Review the details and confirm the payment. You will receive a confirmation number when ready.
Online payments are free and typically post within one business day. If you pay before 8 p.m. Eastern Time on a business day, the payment usually posts the next day. Payments made after 8 p.m. or on weekends post the following business day.
Pay by phone with a Synchrony representative
Call the customer service number on the back of your Kays card. A representative will answer and ask you to verify your identity by providing your card number, Social Security number, or other account information. Tell them you want to make a payment.
The representative will ask how much you want to pay and what date you want the payment to post. You can pay the full balance, the minimum payment, or any amount in between. Provide your bank account information (routing number and account number) if you want to pay from a checking or savings account. If you prefer, you can also pay with a debit card, though some representatives may charge a small fee for debit card payments — ask before you provide the information.
Phone payments are also free when you pay from a bank account. The payment posts within one business day, just like online payments. Keep the confirmation number the representative gives you for your records.
Pay by mail with a check
Write a check for the amount you want to pay and include your account number on the check itself. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive and be posted to your account, so send your payment well before your due date if you want to avoid a late fee. The due date is shown on your statement. If your due date is fewer than 10 days away, use online or phone payment instead.
Keep a copy of the check or take a photo of it before you mail it. If the payment does not post within 10 business days, you can contact Synchrony with the check number and amount to trace it.
Set up automatic payments from your bank account
Log into your Synchrony account at mysynchrony.com and look for "Automatic Payments," "Recurring Payments," or "AutoPay" in the account settings or payment section. Click to set up a new automatic payment. You will need your bank's routing number and your checking or savings account number.
Choose the amount you want to pay each month — you can select a fixed dollar amount or choose to pay your full statement balance automatically. Pick the day of the month you want the payment to be deducted from your bank account. Most people choose a date shortly after they receive their paycheck or a few days before their due date.
Once you confirm the setup, the payment will be deducted automatically on that date each month. You can change or cancel the automatic payment anytime through your account. Automatic payments are free and remove the risk of forgetting to pay and incurring a late fee.
What to do if you cannot pay the full balance
You can pay any amount — the minimum payment, a partial payment, or the full balance. Your statement shows the minimum payment due, which is usually 1 to 3 percent of your balance. Paying only the minimum keeps your account in good standing and avoids a late fee, but you will be charged interest on the remaining balance.
If you are having trouble making even the minimum payment, contact Synchrony customer service before your due date. They may be able to discuss hardship options or temporary payment plans with you. Waiting until after your due date to call will result in a late fee and a negative mark on your credit report.
Troubleshooting common payment problems
If your online payment does not go through, check that you entered the correct amount and selected a valid payment date. Some payment dates may not be available if they fall on a weekend or holiday. Try selecting a different date or call customer service to pay by phone instead.
If you paid by mail and your payment has not posted after 10 business days, log into your account and check the payment status. If it still shows as not received, call Synchrony with your check number and the date you mailed it. They can trace the payment and may be able to credit your account if the check was lost.
If you see a late fee on your account but you paid on time, contact Synchrony to dispute it. Late fees are sometimes applied in error if a payment was delayed in processing. Synchrony may remove the fee if you can show proof that you paid before the due date.
Frequently Asked Questions
Can I pay my Kays card with a credit card or debit card?
You can pay with a debit card by phone, though some representatives may charge a fee for this method. Online and automatic payments require a bank account (checking or savings). You cannot pay a credit card with another credit card through Synchrony's standard payment system.
What happens if I pay after my due date?
A late fee will be added to your account, usually between $25 and $40 depending on your card terms. A late payment will also be reported to the credit bureaus and may lower your credit score. If you are more than 30 days late, your interest rate may increase.
How do I know if my payment went through?
You will receive a confirmation number when ready after paying online or by phone. Log into your account the next business day to verify that the payment posted. Your available credit should increase once the payment is applied.
Can I change or cancel an automatic payment?
Yes. Log into your Synchrony account, find the automatic payment in your settings, and click to edit or cancel it. Changes take effect on your next scheduled payment date. If you need to cancel a payment that is scheduled for tomorrow, call customer service instead of using the website.
What if I overpay my balance?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling Synchrony. Refunds are typically mailed as a check within 7 to 10 business days.