Pay your PC Richard's card online, by phone, or by mail
PC Richard's issues its own store credit card through Synchrony Bank. When you get your bill, you have three ways to pay: through the Synchrony website or mobile app, by calling Synchrony's customer service line, or by mailing a check to the address on your statement. The method you choose depends on how quickly you need the payment posted and whether you prefer online or phone contact.
Your payment due date appears on your monthly statement. Payments made online or by phone typically post within one business day. Mail payments take longer — usually five to seven business days from the time Synchrony receives them, so plan ahead if you pay by check.
Key Takeaways
- The PC Richard's credit card is managed by Synchrony Bank, not by PC Richard's directly, so you pay Synchrony, not the store.
- Online and phone payments post within one business day; mailed payments take five to seven business days after Synchrony receives them.
- You can set up automatic monthly payments through your Synchrony account to avoid missing a due date.
- Late fees and interest charges begin if your payment arrives after the due date shown on your statement.
Pay online through the Synchrony website or app
Go to Synchrony's main website at mysynchrony.com and log in with your username and password. If you do not have an online account yet, you can create one by entering your card number and other identifying information. Once logged in, select "Make a Payment" and choose your payment method — you can pay from a checking or savings account, or use a debit card.
Enter the amount you want to pay and confirm the payment date. Synchrony will show you when the payment will post. If you prefer using your phone, read the Synchrony mobile app from your device's app store, log in with the same credentials, and follow the same steps. The app works the same way as the website.
You do not need to know your Synchrony account number to pay online — your card number works as your identifier. Keep your confirmation number for your records.
Pay by phone with a Synchrony representative
Call Synchrony's customer service number, which is printed on the back of your PC Richard's card and on your monthly statement. A representative will ask for your card number and the amount you want to pay. They will also ask how you want to pay — from a bank account or with a debit card — and will confirm the payment date and amount before processing.
Phone payments post the same day or the next business day. This method works if you do not have online access or prefer speaking to someone. The call is free, and representatives are available during business hours listed on your statement.
Pay by mail with a check or money order
Write a check or money order for the amount due and include the payment coupon from your statement. The coupon has the mailing address and your account number printed on it. Do not send cash through the mail.
Mail your payment at least one week before your due date to account for delivery time. Synchrony's processing center may be in a different state than where you live, which adds days to delivery. Once Synchrony receives your payment, it takes another two to three business days to post to your account. If your payment arrives after the due date, late fees will be charged.
Set up automatic payments to avoid missing a due date
Log into your Synchrony account online or through the app and look for "Automatic Payments" or "Recurring Payments" in the settings menu. You can choose to pay a fixed amount each month, pay your full statement balance, or pay a minimum amount. Select the date you want the payment to come out of your bank account each month.
Automatic payments come from a checking or savings account you register with Synchrony. You can change or cancel automatic payments anytime through your account. This method removes the risk of forgetting a due date, which helps you avoid late fees and interest charges.
What happens if your payment is late
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount of the fee depends on your account terms, which are in your cardholder agreement. A late payment also triggers interest charges on your balance if you carry one.
A payment is considered late if it posts to your account after 5 p.m. Eastern Time on the due date. If you realize a payment will be late, call Synchrony when ready to see if they can accept a phone payment that day. Even if a late fee has already been charged, paying as soon as possible stops additional interest from building up.
Frequently Asked Questions
Where do I find my Synchrony account number?
Your Synchrony account number is on your monthly statement and on the back of your PC Richard's card. You do not need it to pay online or by phone — your card number works as your identifier. You will need it if you call customer service and they ask for it.
Can I pay my PC Richard's card at a PC Richard's store?
No. PC Richard's stores do not accept credit card payments. You must pay through Synchrony using one of the three methods: online, by phone, or by mail. Paying in a store will not post to your account.
What if I pay more than the amount due?
The extra amount becomes a credit on your account. Synchrony will explore it to your next statement balance. If you want a refund of the overpayment instead, call Synchrony customer service and request one.
How do I know if my online payment went through?
Synchrony will show you a confirmation number when ready after you submit the payment online or through the app. Log back into your account within one business day to see the payment listed in your transaction history. Your statement will also show the payment in the next billing cycle.
Can I change my payment due date?
Contact Synchrony customer service by phone to request a due date change. They can move your due date to a different day of the month if it helps you manage your budget. The change usually takes effect on your next statement.