Where to send your Ross credit card payment
Ross Stores issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Ross directly. You have three main ways to pay: online through your Synchrony account, by phone, or by mail. The online method is fastest and shows up in your account within one business day. Phone payments take the same time but require you to speak with a representative. Mail payments take 7 to 10 business days to reach Synchrony's processing center, so send them early if your due date is close.
To pay online, log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. You'll see your Ross card balance, due date, and a payment button. You can pay the full balance, the minimum payment, or any amount in between. If you don't have an online account yet, you can set one up using your card number and Social Security number.
To pay by phone, call the number on the back of your Ross credit card. A Synchrony representative will ask for your card number, the amount you want to pay, and your bank account information if you're paying from a checking or savings account. Payments by phone are free.
Key Takeaways
- Your Ross credit card is managed by Synchrony Bank, so you send payments to Synchrony, not to Ross Stores.
- Online payments through Synchrony's website or app post to your account within one business day and are the fastest option.
- Phone payments are also free and post within one business day, but mail payments take 7 to 10 days, so plan ahead if your due date is soon.
- You can pay your full balance, minimum payment, or any amount in between, and you'll need your card number and bank account details ready.
Paying by mail
If you prefer to mail your payment, the address is on your monthly statement. Write your account number on the check or money order and include the payment stub from your statement if one is provided. Mail payments typically take 7 to 10 business days to arrive and be processed, so if your due date is within two weeks, use online or phone payment instead to avoid a late fee.
Late fees on the Ross credit card vary but typically range from $25 to $40 depending on your account history. A payment is considered late if it arrives after 5 p.m. Eastern time on the due date. If you're cutting it close, online payment is your safest bet because it posts when ready.
Setting up automatic payments
Synchrony allows you to set up automatic payments from your checking or savings account. You can choose to pay your full balance, your minimum payment, or a fixed amount each month on a date you select. To set this up, log into your Synchrony account, go to the payment settings, and select "Automatic Payment." You'll need your bank routing number and account number.
Automatic payments remove the risk of forgetting a due date, which is especially useful if you carry a balance and want to avoid interest charges. You can change or cancel automatic payments anytime through your account settings, and Synchrony will send you a confirmation email when each payment is processed.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony will charge a late fee (typically $25 to $40) and may report the late payment to credit bureaus after 30 days. A single late payment can lower your credit score by 50 to 100 points, depending on your current score and credit history. The damage is worst in the first six months after the late payment, but it stays on your credit report for seven years.
If you miss a payment, contact Synchrony as soon as you realize it. Some customers have had late fees waived if they call before the payment is 30 days overdue and have a clean payment history. Paying the balance when ready will stop additional fees from accumulating, though the damage to your credit score from the late payment itself cannot be undone.
Paying more than the minimum
The Ross credit card charges interest on any balance you carry past the due date. The interest rate (called the APR, or annual percentage rate) varies by customer but typically ranges from 18% to 26%. If you carry a $500 balance at 22% APR, you'll pay roughly $9 in interest that month alone. Paying more than the minimum each month reduces the total interest you pay and gets you out of debt faster.
For example, if you owe $1,000 and make only minimum payments of $25 per month at 22% APR, it will take you about 60 months to pay off the card, and you'll pay roughly $500 in interest. If you pay $100 per month instead, you'll pay off the card in about 11 months and pay only $120 in interest. The difference compounds quickly, so even small increases to your payment amount save significant money over time.
Payment options if you're having trouble
If you're struggling to make your payment, contact Synchrony before your due date. They offer hardship programs that may lower your interest rate, reduce your minimum payment, or pause payments temporarily while you get back on your feet. These programs are not automatic — you have to ask for them — but Synchrony is often willing to work with customers who reach out proactively rather than waiting until they're 30 days late.
You can also explore a balance transfer to a card with a lower interest rate or a 0% promotional period, though this requires opening a new card and may temporarily lower your credit score. Another option is a personal loan from a bank or credit union, which often carries a lower interest rate than a credit card and gives you a fixed payoff date. Before taking on new debt, talk to a credit counselor through the National Foundation for Credit Counseling (NFCC) — their services are free or low-cost and can help you decide whether a balance transfer, loan, or payment plan makes sense for your situation.
Frequently Asked Questions
Can I pay my Ross credit card at a Ross store?
No. Ross stores do not accept credit card payments in person. You must pay through Synchrony Bank online, by phone, or by mail. Some customers mistakenly try to pay at the register, but that won't work for your credit card account.
What if I pay online but the payment doesn't show up right away?
Online payments typically post within one business day. If you paid on a Friday evening, it may not show until Monday. If more than one business day has passed and the payment still doesn't appear, log back into your account and check the payment status, or call Synchrony to confirm the payment was received.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount between the minimum payment and your full balance. However, any balance you don't pay will be charged interest at your APR. Paying only the minimum keeps your account in good standing, but you'll pay interest on the remaining balance.
What's the difference between my due date and my statement date?
Your statement date is when Synchrony closes your billing cycle and calculates what you owe. Your due date is when that payment must arrive to avoid a late fee — usually 21 to 25 days after your statement date. Charges you make after your statement date appear on your next month's bill.
Can I get a late fee removed if I call and explain my situation?
Synchrony may waive a late fee if you call before the payment is 30 days overdue and have a history of on-time payments. There's no may provide, but it's worth asking. The sooner you call after missing a payment, the better your chances.