Where to send your Synchrony credit card payment
You can pay your Synchrony credit card online through your account, by phone, by mail, or in person at a Synchrony Financial branch. The fastest route is online through the Synchrony website or mobile app — payments typically post the same day if you submit before the cutoff time, which varies by card issuer but is usually in the evening.
If you pay by phone, call the number on the back of your card. A representative will walk you through the payment and can answer questions about your account balance or due date in real time. Phone payments also post same-day in most cases.
Mailed payments take 7 to 10 business days to reach Synchrony and post to your account, so send them well before your due date to avoid late fees. The mailing address appears on your statement and in your online account under "Payment Information" or "Make a Payment".
Key Takeaways
- Online and phone payments post the same day if submitted before the evening cutoff, while mailed payments take 7 to 10 business days.
- You can set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of when you submitted it.
- Payments made in person at a Synchrony Financial branch post when ready, but branch locations are limited and not available in all areas.
Paying online or through the mobile app
Log into your account at Synchrony.com or open the Synchrony mobile app, then select "Make a Payment" or "Pay Now". Enter the amount you want to pay and choose your payment date. You can pay from a checking or savings account linked to your Synchrony profile, or use a debit card.
The system will show you when the payment will post — same-day if submitted before the cutoff, or the next business day if submitted after hours or on a weekend. You will receive a confirmation number when ready and can check the payment status in your account history.
If you want to stop making manual payments each month, set up automatic payments in the same section. You can choose to pay a set dollar amount, your minimum payment, or your full statement balance on a date you pick. You can change or cancel automatic payments anytime through your account.
Paying by phone or automatic bank draft
Call the customer service number on the back of your card to pay by phone. Have your checking or savings account number ready, or use a debit card. The representative will confirm the amount and payment date before processing.
Automatic bank draft (also called ACH or automatic payment) pulls money directly from your bank account on the date you choose. Set this up through your Synchrony account online, or call customer service to arrange it over the phone. The payment posts within one business day of the draft date.
Automatic payments reduce the risk of missing a due date, but make sure you have enough money in your account on the payment date to avoid overdraft fees from your bank. You can pause or cancel automatic payments anytime through your Synchrony account or by calling customer service.
Paying by mail
Write a check or money order payable to Synchrony and include your account number on the check. Mail it to the address listed on your statement under "Payment Address" or "Send Payment To". Do not send cash through the mail.
Payments take 7 to 10 business days to arrive and post to your account. To avoid a late fee, mail your payment at least 10 days before your due date. If you are close to your due date, use online or phone payment instead.
Keep a record of the check number and mailing date in case you need to track the payment later. If your payment does not post within 10 business days, contact Synchrony customer service with your check number and mailing date.
What happens if you miss a payment
A late fee applies if your payment does not post by 11:59 p.m. on your due date. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months may result in a higher fee.
A late payment also appears on your credit report 30 days after the due date if it remains unpaid. This can lower your credit score and affect your ability to borrow money in the future. Even one late payment can stay on your credit report for up to seven years.
If you know you will miss a payment, contact Synchrony before the due date. Some cardholders can arrange a short extension or a temporary payment plan, though this depends on your account history and the card issuer's policies.
Paying more than the minimum
You can pay any amount above your minimum payment at any time. Paying more than the minimum reduces the interest you owe and helps you pay off the balance faster. There is no penalty for paying early or paying more than required.
If you make a large payment before your statement closes, your next statement may show a credit balance instead of an amount due. You can use this credit toward future purchases, or request a refund by contacting Synchrony customer service.
Paying the full statement balance by the due date avoids interest charges entirely, assuming your card has a grace period (most Synchrony cards do). Check your card agreement to confirm whether interest accrues on purchases made during the current billing cycle.
Frequently Asked Questions
Can I pay my Synchrony card at a store or gas station?
No. Synchrony credit cards cannot be paid at retail locations. You must pay online, by phone, by mail, or at a Synchrony Financial branch. Some Synchrony cards are co-branded with retailers like Amazon or Lowe's, but those retailers do not accept payments on the card itself.
What time does the online payment cutoff happen?
The cutoff time varies by card issuer and typically falls between 5 p.m. and 11:59 p.m. Eastern time. Check your Synchrony account or statement for the exact cutoff, or call customer service. Payments submitted after the cutoff post the next business day.
Can I pay someone else's Synchrony card?
Yes, if you have their account number and permission. You can pay online, by phone, or by mail using their account number. The payment will post to their account regardless of whose bank account or card you use to send it.
Do I get a grace period before interest charges start?
Most Synchrony cards include a grace period of 21 to 25 days from the statement closing date, meaning you can pay the full balance by the due date without paying interest on new purchases. Check your card agreement or account terms to confirm. Cash advances and balance transfers typically do not have a grace period.
What if I overpay my Synchrony card?
An overpayment creates a credit balance on your account. You can use this credit toward future purchases, or contact Synchrony to request a refund to your original payment method. Refunds typically take 3 to 5 business days to appear in your bank account.