Pay your Ross credit card online, by phone, or by mail
Ross Stores issues the Ross Credit Card through Synchrony Bank. You can make a payment through Synchrony's 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 processed and whether you prefer to handle it online or by phone.
Most payments made online or by phone are posted to your account within one business day. Mailed payments typically take 7 to 10 business days to arrive and post, so mail is the slowest option if you are close to a due date.
Key Takeaways
- You can pay your Ross Credit Card through Synchrony's website, mobile app, or by calling 1-866-207-6235 (the number is on your statement).
- Online and phone payments usually post within one business day, while mailed payments take 7 to 10 business days.
- Set up automatic payments through your Synchrony account to avoid missing a due date.
- Your due date and minimum payment are listed on your monthly statement and in your online account.
Pay online through Synchrony's website or app
Log in to your Synchrony account at Synchrony.com or open the Synchrony mobile app. Enter your username and password. If you do not have an online account yet, you can create one by providing your card number, Social Security number, and date of birth.
Once logged in, select "Make a Payment" or "Pay Now" from the menu. Choose the payment amount (you can pay the full balance, the minimum payment, or a custom amount), select your payment method (bank account or debit card), and confirm the transaction. You will receive a confirmation number when ready. The payment will post to your account within one business day.
The Synchrony app is available on iOS and Android. Payments made through the app follow the same timeline and process as the website.
Pay by phone with Synchrony customer service
Call Synchrony at the number on the back of your card or on your statement. Have your card number and bank account information ready. A representative will ask you to verify your identity, then walk you through the payment process over the phone.
You can pay from a checking or savings account, or use a debit card. Phone payments post within one business day, the same as online payments. Keep the confirmation number the representative gives you for your records.
Pay by mail
Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the address where you send disputes or correspondence, so check your statement carefully.
Mailed payments take 7 to 10 business days to arrive and post. If your due date is within two weeks, do not rely on mail; use online or phone payment instead. Include a copy of your statement with the payment so Synchrony can match it to your account quickly.
Set up automatic payments to avoid late fees
Log in to your Synchrony account online or in the app and look for "Automatic Payments" or "Recurring Payments" in the settings menu. You can set up automatic payments to occur on a date you choose each month — for example, the day after you get paid or the day before your due date.
You can choose to pay the full balance, the minimum payment, or a fixed amount each month. You can change or cancel automatic payments at any time through your account. Automatic payments are deducted from your bank account on the schedule you set.
What to do if you miss a payment or cannot pay on time
Contact Synchrony as soon as you know you will miss a due date. Call the number on your statement and explain your situation. Synchrony may be able to work with you on a payment plan or temporarily adjust your due date, though this is not may provide.
A late payment will be reported to credit bureaus if it is 30 days past due. Late fees are charged when ready when a payment is missed. The sooner you contact Synchrony and make a payment, the less damage to your credit and the lower your total fees will be.
Find your due date and minimum payment
Your due date and minimum payment appear on your monthly statement, which you can view online or receive by mail. Log in to your Synchrony account to see your current balance, due date, and minimum payment at any time. Your due date is typically the same day each month.
If you do not receive a statement or cannot log in to your account, call Synchrony at the number on your card. A representative can tell you your due date and minimum payment over the phone.
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. Synchrony is the bank that issues and manages the card.
What if I pay online but the payment does not show up?
Online payments usually post within one business day. If more than one business day has passed and you do not see the payment in your account, log back in and check your payment history to confirm it was processed. If the payment is missing, call Synchrony to report it and ask for a trace.
Can I pay more than the minimum?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can pay extra at any time through your online account or by phone.
Is there a fee to pay my credit card bill?
No. Synchrony does not charge a fee for making a payment online, by phone, or by mail. Some banks charge fees for certain payment methods, but Synchrony does not.
What happens if I pay after the due date?
A late fee will be charged to your account, and the late payment will be reported to credit bureaus if it is 30 or more days past due. Interest will continue to accrue on your balance. Pay as soon as possible to stop additional fees and protect your credit.