Where to pay your Saks credit card bill
You can pay your Saks credit card through three main channels: online through your account portal, by phone with a customer service representative, or by mailing a check to the address on your statement. The online portal is the fastest route and lets you see your balance and payment history when ready. Phone payments take a few minutes and work if you prefer speaking to someone. Mail payments take 7 to 10 business days to reach the processor, so send them well before your due date if you want to avoid late fees.
Your Saks credit card is issued by Synchrony Bank, which handles all billing and payment processing. When you open your account or receive your first statement, you'll get information about all three payment methods. The due date appears on every statement and is typically 21 to 25 days from the statement closing date.
Key Takeaways
- Pay online through your Synchrony account portal for the fastest processing and when ready confirmation of payment.
- Phone payments are available by calling the number on the back of your card or on your statement, and take only a few minutes.
- Mail payments must be sent to the address listed on your statement and take 7 to 10 business days to post to your account.
- Your payment due date is listed on every monthly statement and is typically 21 to 25 days after your statement closes.
Paying online through your Synchrony account
Log in to your Synchrony account at synchronybank.com or through the Synchrony mobile app. Enter your card number and password, or create an account if this is your first time logging in. Once you're in, select "Make a Payment" or "Pay Now" from the main menu.
You'll see your current balance, minimum payment due, and due date. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: you can pay from a checking or savings account (which takes 1 to 2 business days) or use a debit card (which posts the same day). Review the details and confirm. You'll receive an on-screen confirmation number when ready, and the payment will appear in your account within 24 hours.
Paying by phone
Call the number on the back of your Saks credit card or on your monthly statement. A Synchrony representative will answer and ask for your card number and the last four digits of your Social Security number to verify your identity. Have your checking or savings account information ready if you plan to pay from your bank account.
Tell the representative the amount you want to pay. They'll confirm the payment method, amount, and processing time. Phone payments from a bank account typically post within 1 to 2 business days. The representative will give you a confirmation number at the end of the call. Write it down or take a screenshot for your records.
Paying by mail
Write a check for the amount you owe and include your account number on the check itself. Place the check in an envelope with the payment stub from your statement — the stub has the mailing address printed on it. If you don't have a payment stub, the address is also listed on your statement under "Payment Address" or "Send Payment To."
Mail the envelope at least 10 business days before your due date to account for postal delays. Payments sent by mail take 7 to 10 business days to arrive and be processed. If you're cutting it close to your due date, use online or phone payment instead to avoid a late fee. Keep a copy of the check or take a photo of the front and back for your records.
What happens if you miss your due date
If your payment doesn't arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment. More importantly, a late payment will be reported to credit bureaus and can lower your credit score. If you realize you've missed the due date, make a payment when ready — even a day late is still reported as late, but paying right away stops additional fees from accumulating.
If you're having trouble making your payment, contact Synchrony before the due date. Representatives can sometimes work out a payment plan or extend your due date by a few days. Calling ahead is much better than letting the payment go unpaid and waiting for the late fee.
Setting up automatic payments
You can set up automatic payments through your Synchrony account so you never miss a due date. Log in to your account, go to "Manage Payments" or "Autopay," and 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 — most people choose a date shortly after they get paid or a few days before the due date.
Automatic payments come from your checking or savings account and post within 1 to 2 business days. You can change or cancel automatic payments anytime through your account, and you'll receive a confirmation email each time a payment is processed. This is the simplest way to stay on top of your bill if you have a steady income and a consistent account balance.
Paying more than the minimum
Your statement shows a minimum payment amount, but paying more than the minimum saves you money on interest. Credit card interest compounds daily, so the longer a balance sits unpaid, the more interest you owe. If you can pay the full statement balance each month, you'll pay no interest at all.
If you can't pay the full balance, paying more than the minimum still reduces the total interest you'll pay over time. For example, paying double the minimum cuts your payoff time roughly in half. You can pay any amount you want — there's no penalty for paying early or paying more than required. The sooner you pay down the balance, the less interest Synchrony charges.
Frequently Asked Questions
Can I pay my Saks credit card bill at a store?
No, you cannot pay at Saks stores. Payments must be made online, by phone, or by mail through Synchrony Bank. Saks store associates cannot process credit card payments.
What if I pay online but the payment doesn't show up?
Online payments from a bank account take 1 to 2 business days to post. If more than two days have passed, log back into your account and check the payment status under "Payment History" or "Recent Transactions." If the payment shows as pending, wait another day. If it shows as failed, contact Synchrony to find out why and resubmit the payment.
Is there a fee to pay my credit card bill?
No, there is no fee to pay your Saks credit card bill through any of the three methods: online, phone, or mail. Synchrony does not charge a payment fee.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the day your statement closed. Your current balance includes any new purchases or payments made after the statement closed. You only need to pay the statement balance by the due date to avoid a late fee, but paying the current balance pays off everything you owe.
Can I pay my bill before I receive my statement?
Yes, you can pay anytime through your online account or by phone, even before your statement arrives. Log in to see your current balance and make a payment whenever you want. Paying early reduces the interest that will accrue before your due date.