Where to send your PC Richard's card payment
PC Richard & Son issues its store credit card through Synchrony Bank, which means your payment goes to Synchrony, not to PC Richard's directly. You can pay online through your Synchrony account, by phone, by mail, or in person at any PC Richard's store location. The method you choose affects how fast the payment posts and whether you avoid late fees.
The fastest route is the Synchrony website or mobile app — payments made before the cutoff time (usually 8 p.m. Eastern) post the same business day. Phone payments also post same-day if you call before the cutoff. Mail and in-store payments take longer: mail typically takes 5 to 7 business days to reach the processing center, and in-store payments may take 1 to 2 business days to show in your account.
Key Takeaways
- Your PC Richard's card is managed by Synchrony Bank, so you pay Synchrony, not the store itself.
- Online and phone payments post same-day if made before the evening cutoff; mail and in-store payments take several business days.
- You can set up automatic payments through Synchrony to avoid missing your due date.
- Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of which payment method you use.
- If you cannot pay the full balance, making at least the minimum payment by the due date stops a late fee from being added.
Paying online through your Synchrony account
Log into your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Click "Make a Payment" and enter the amount you want to pay. You can pay from a checking or savings account (which takes 1 to 2 business days to clear) or use a debit card (which posts when ready). The site will show you the exact date the payment will post before you confirm.
If you do not have a Synchrony account set up yet, you can create one using your card number and Social Security number. Synchrony will send you a temporary password by email, which you use to log in and create a permanent one. This usually takes a few minutes, and you can make a payment the same day you set up the account.
Paying by phone or automatic payment
Call Synchrony's customer service at the number on the back of your PC Richard's card. A representative will ask for your card number and the amount you want to pay, then confirm the payment date. Phone payments are free and post the same business day if you call before 8 p.m. Eastern time.
To set up automatic payments, log into your Synchrony account and select "Automatic Payments" from the menu. You can choose to pay the full statement balance, the minimum payment, or a fixed amount each month on a date you pick. Automatic payments remove the risk of forgetting your due date, though you should still check your statements to make sure the payment amount is what you expected.
Paying by mail or at a store
If you pay by mail, send your payment to the address shown on your statement. Include your account number and the amount you are paying. Mail typically takes 5 to 7 business days to arrive at the processing center, so send it at least 10 days before your due date to be safe. Synchrony does not control mail delivery time, so paying by mail carries the highest risk of a late fee if your due date is soon.
You can also pay in person at any PC Richard's store. Bring your card or account number and the amount you want to pay. The store will process the payment, but it takes 1 to 2 business days to post to your Synchrony account. In-store payments are useful if you are already at the store, but they are slower than online or phone payments.
Understanding your due date and late fees
Your due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. Synchrony considers a payment late if it does not post to your account by 11:59 p.m. Eastern time on the due date. A late fee (typically $25 to $40, depending on your account terms) is added if your payment is even one day late.
If you cannot pay the full balance, you can avoid a late fee by paying at least the minimum payment by the due date. The minimum is usually 1 to 3 percent of your balance, shown on your statement. Paying only the minimum means you will pay interest on the remaining balance, but you will not trigger a late fee that month.
What to do if your payment does not post
If you made a payment and it has not shown up in your account within the expected timeframe, log into Synchrony and check the payment status. Online and phone payments show a confirmation number when ready; you can use this to track the payment. If the payment shows as pending, it will post by the date Synchrony gave you when you made it.
If a payment is overdue and you have not received a confirmation, call Synchrony right away. Have your card number and the date and amount of the payment ready. If the payment was sent by mail and the due date has passed, ask Synchrony whether they can waive the late fee as a one-time courtesy while they investigate. Synchrony cannot undo a late fee automatically, but they may remove it if you explain the delay and have not had late fees before.
Paying off your balance faster to save on interest
The PC Richard's card charges interest on any balance you carry past your statement due date. The interest rate (called the APR, or annual percentage rate) varies based on your credit score and current Synchrony rates, typically ranging from 19% to 29%. This means that if you carry a $1,000 balance for a full year, you could pay $190 to $290 in interest alone.
Paying more than the minimum each month reduces the total interest you pay. Even small extra payments add up: paying $50 more than the minimum each month can cut your interest cost in half compared to paying only the minimum. If you have a large purchase, consider paying it off within the promotional period if Synchrony is offering 0% APR financing — these offers usually last 6 to 24 months, and interest kicks in at the regular rate if you do not pay off the balance by the end date.
Frequently Asked Questions
What time does my payment need to be made to post the same day?
Online and phone payments must be made before 8 p.m. Eastern time to post the same business day. If you pay after 8 p.m., it will post the next business day. Weekends and holidays do not count as business days, so a payment made on Friday evening will not post until Monday.
Can I pay my PC Richard's card with a credit card?
No. Synchrony only accepts payments from a checking account, savings account, or debit card. Paying a credit card with another credit card is considered a cash advance and carries high fees and interest rates, which Synchrony does not allow.
What happens if I miss my due date?
A late fee (typically $25 to $40) is added to your account, and the late payment is reported to credit bureaus, which can lower your credit score. Your interest rate may also increase. If you miss a payment, contact Synchrony as soon as possible to make the payment and ask whether they can waive the fee.
Can I change my due date?
Yes. Log into your Synchrony account and look for "Account Settings" or "Due Date." You can usually change your due date once per year to a date that works better with your paycheck or budget. Some changes take effect on your next statement.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments. Some third-party payment services may charge a fee to process your payment, but Synchrony's official channels are free.