Where to send your Synchrony credit card payment
Synchrony operates credit cards for multiple retailers — Target, Amazon, Best Buy, Lowe's, and others — so the payment address depends on which card you hold. The mailing address for your specific card appears on your monthly statement, on the back of your card itself, and in your online account. Do not guess at an address; using the wrong one delays your payment and may trigger late fees.
You can pay online through your Synchrony account, by phone, by mail, or in person at a retail location if your card is co-branded with a store. Online payment is the fastest and most reliable method. Phone payments take a few minutes and work if you do not have internet access. Mail and in-person payments are slower and should only be used if you cannot access the other methods.
Key Takeaways
- Online payment through your Synchrony account is available 24/7 and posts within one to two business days.
- Phone payments can be made by calling the number on the back of your card, and the payment posts the same day if made before the cutoff time.
- Mailed payments should be sent to the address on your statement at least seven to ten business days before your due date to avoid late fees.
- Your payment due date and minimum payment amount appear on your monthly statement and in your online account.
- Late payments trigger fees and can raise your interest rate, so setting up automatic payments prevents missed due dates.
Paying online through your Synchrony account
Log in to your Synchrony account at synchrony.com or through the Synchrony mobile app. Click "Make a Payment" or "Pay Now" — the exact wording varies by card. Enter the amount you want to pay, select the payment date, and choose your payment method (bank account or debit card). Review the details and confirm.
Online payments from a bank account are free and post within one to two business days. Payments made with a debit card may carry a fee, usually around $1 to $3, depending on your card type. If you pay before 8 p.m. Eastern Time on a business day, the payment typically posts the next business day. Payments made after that time or on weekends post the following business day.
You can schedule a payment in advance through your online account. This is useful if you want to pay on a specific date or set up a recurring payment. Synchrony will send you a confirmation email after you schedule the payment.
Paying by phone
Call the customer service number on the back of your card. A representative will ask for your account number, the amount you want to pay, and your payment method. You can pay with a bank account or debit card over the phone. Phone payments are free when paid from a bank account and may have a small fee if paid with a debit card.
Phone payments typically post the same day if you call before the cutoff time, which is usually around 8 p.m. Eastern Time on business days. Payments made after that time or on weekends post the next business day. Keep a record of the confirmation number the representative gives you.
Paying by mail
Write a check or money order payable to Synchrony or the specific card issuer (check your statement for the exact name). Include your account number on the check. Mail it to the payment address shown on your statement. Do not send cash through the mail.
Mailed payments take seven to ten business days to arrive and post. Send your payment at least ten business days before your due date to may support it arrives on time. If your due date is approaching and you have not yet mailed a payment, use online or phone payment instead. Synchrony is not responsible for payments lost in the mail, so consider using certified mail or a tracking service if you are concerned.
In-person payments at retail locations
If your Synchrony card is co-branded with a retailer like Target or Lowe's, you may be able to pay in person at that store. Not all locations accept in-person payments, and policies vary by retailer. Call the store or check your statement to confirm whether this option is available for your card.
In-person payments typically post within one to two business days. Bring your card or account number and the amount you want to pay. Ask for a receipt as proof of payment.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to "Automatic Payments" or "Recurring Payments," and enter your bank account information. You can set the payment to occur on a fixed date each month, such as the due date or a few days before it. You can also choose to pay a fixed amount or your full statement balance.
Automatic payments are free when drawn from a bank account. You can change or cancel an automatic payment at any time through your account. Synchrony will send you a confirmation email before each automatic payment is processed.
What happens if you miss a payment
A payment is considered late if it is not received by 5 p.m. Eastern Time on the due date shown on your statement. Late payments trigger a late fee, usually $25 to $40 depending on your card, and may increase your interest rate. A single late payment can also lower your credit score.
If you miss a payment, contact Synchrony as soon as possible. Some cardholders have had late fees waived if they call within a few days and have a clean payment history. The sooner you pay, the less damage to your credit. If you are struggling to make payments, ask about hardship programs or payment plans that may be available.
Frequently Asked Questions
How long does it take for my payment to post?
Online and phone payments typically post within one to two business days. Mailed payments take seven to ten business days. In-person payments at retail locations post within one to two business days. Payments made after 8 p.m. Eastern Time or on weekends post the next business day.
Can I pay more than the minimum?
Yes. You can pay any amount up to your full statement balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. You can pay the full balance, the minimum, or any amount in between.
What if I pay late by accident?
Contact Synchrony when ready. If you have a good payment history, they may waive the late fee as a one-time courtesy. The sooner you pay, the less impact on your credit score. Late fees are typically $25 to $40, and your interest rate may increase.
Is there a fee for paying online?
No fee when you pay from a bank account. Debit card payments may carry a small fee, usually $1 to $3. Phone and mail payments are free. Check your account or call customer service to confirm the fee structure for your specific card.
Can I set up automatic payments for a partial amount?
Yes. You can set automatic payments to a fixed dollar amount each month, your minimum payment, or your full statement balance. You can change the amount or cancel automatic payments at any time through your account.