Where to pay your Michaels credit card bill
You can pay your Michaels credit card through the Synchrony Bank portal, which is the bank that issues the card. Synchrony handles all payments, account management, and customer service for the Michaels card. You have three main payment routes: online through the Synchrony website, by phone, or by mail.
The fastest and most direct method is paying online at synchronybank.com. You can also call Synchrony's customer service line — the number is on the back of your card — to make a payment over the phone. If you prefer to mail a check, the payment address is also printed on your monthly statement.
Key Takeaways
- Pay your Michaels card through Synchrony Bank, not through Michaels itself, by visiting synchronybank.com or calling the number on your card.
- You can pay online, by phone, or by mail, and online payments typically post within one business day.
- Set up automatic payments through your bank account to avoid missing a due date.
- Your due date and minimum payment are shown on your monthly statement and in your online account.
- Late payments trigger interest charges and can lower your credit score, so paying on time matters even if you only pay the minimum.
Paying online through Synchrony
Go to synchronybank.com and select "Log In" at the top of the page. Enter your username and password. If you have not yet created an online account, you will need to register first — you can do this on the same page by selecting "Enroll Now" and following the prompts. You will need your card number and Social Security number to set up an account.
Once logged in, look for "Make a Payment" or "Pay Now" in the main menu. Select the amount you want to pay — you can pay the full balance, the minimum payment, or a custom amount. Choose your payment method (bank account or debit card) and confirm the payment. Synchrony will show you a confirmation number and tell you when the payment will post. Most online payments post within one business day.
Paying by phone
Call the customer service number on the back of your Michaels credit card. A representative will ask for your card number and the amount you want to pay. Have your bank account or debit card information ready if you are paying from a bank account. Phone payments typically post the same day or within one business day.
You can call during business hours, which are usually Monday through Friday, 8 a.m. to 8 p.m. Eastern time, though hours may vary. The back of your card will list the exact hours and any weekend availability.
Paying by mail
Write a check or money order for the amount you owe. Write your account number on the check. Include the payment coupon from your monthly statement if you have it — this helps Synchrony match the payment to your account faster. Mail it to the address printed on your statement under "Payment Address" or "Make Checks Payable To."
Mail payments take longer to reach Synchrony and post to your account. Plan for 7 to 10 business days from the time you mail it. If your due date is coming up soon, mail is not the best option — use online or phone payment instead.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online, find the "Payments" or "Autopay" section, and select "Set Up Automatic Payment." Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out of your bank account each month.
You can change or cancel automatic payments anytime through your online account. If you set up autopay for the minimum payment, you will still owe interest on any balance you carry, but you will avoid late fees and credit score damage from missed payments.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. This fee is added to your balance. More importantly, a late payment is reported to credit bureaus and can lower your credit score. Even one late payment can affect your ability to borrow money in the future.
If you realize you will miss a due date, contact Synchrony when ready. Explain your situation — some representatives can work with you on timing or payment arrangements, though they are not required to. The sooner you call, the better your chances of avoiding the late fee or limiting the damage to your credit.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is usually the same day each month. You must pay at least the minimum payment by this date to avoid a late fee. Paying only the minimum means you will owe interest on the remaining balance, and it will take much longer to pay off the card.
Your statement also shows your interest rate (called the Annual Percentage Rate or APR) and how much interest you paid that month. If you carry a balance, the interest charges add up quickly. Paying more than the minimum, or paying the full balance, saves you money on interest.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days. If you are close to your due date, do not use mail — use online or phone payment to make sure it arrives on time.
Can I pay my Michaels card at a Michaels store?
No. Michaels stores do not process credit card payments. You must pay through Synchrony Bank using the methods described above: online, by phone, or by mail.
What if I pay more than I owe?
If you overpay, Synchrony will hold the extra amount as a credit on your account. Your next statement will subtract this credit from what you owe. You can also request a refund of the overpayment by calling Synchrony customer service.
Is there a fee to pay my bill online or by phone?
No. Synchrony does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer.
What if my payment was rejected?
A payment can be rejected if your bank account or debit card information is incorrect, if there are not enough funds, or if there is a fraud hold on your account. Synchrony will notify you of the rejection. Contact Synchrony or your bank to find out why, and try again with corrected information.