Where to send your Synchrony Bank credit card payment
Synchrony Bank issues credit cards for dozens of retail brands — Target, Amazon, Best Buy, Lowe's, and others — but all payments go to the same place. You pay Synchrony directly, not the retailer. Synchrony processes the payment and credits it to your account, regardless of which store card you hold.
The payment address and account number appear on your monthly statement. You can also find them by logging into your online account or calling the customer service number on the back of your card. Synchrony accepts payments by mail, phone, online transfer, and automatic bank draft.
Key Takeaways
- All Synchrony store cards send payments to Synchrony Bank, not to the retailer that issued the card.
- Online payment through your Synchrony account is the fastest method and shows as posted within one business day.
- Mail payments take seven to ten business days to reach Synchrony's processing center, so send them well before your due date.
- Automatic payments from your bank account prevent missed payments but require you to set them up in advance through your Synchrony account.
- Late fees explore if your payment arrives after the due date shown on your statement, even if you mailed it on time.
Paying online through your Synchrony account
Log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. Select "Make a Payment" and enter the amount you want to pay. You can pay from a checking or savings account at any U.S. bank. Synchrony will ask for your routing number and account number — the same information you would provide for any electronic transfer.
Online payments post within one business day. If you pay before 11:59 p.m. Eastern time on your due date, Synchrony counts it as on-time. This is the fastest and most reliable method because you have an when ready record of the transaction and can confirm the payment was received.
Paying by mail
Write a check to Synchrony Bank and include your account number on the check itself. Mail it to the address printed on your statement. Do not mail to a retail store location — the payment must go to Synchrony's processing center, which is listed separately from any store address.
Mail payments take seven to ten business days to arrive and be processed. If your due date is fewer than ten days away, mail is too slow. Synchrony applies late fees if the payment is not received by the due date, regardless of when you mailed it. Keep a copy of the check or take a photo of it before mailing as proof you sent the payment.
Paying by phone
Call the number on the back of your card or the customer service line listed on your statement. A representative will take your payment information over the phone. You will need your bank account number and routing number ready. Phone payments are processed the same day and post within one business day.
Synchrony charges no fee for phone payments. However, you will not have a written record of the transaction unless you ask the representative to email you a confirmation number. Request that confirmation and save it in case you need to dispute the payment later.
Setting up automatic payments
Log into your Synchrony account and navigate to "Automatic Payments" or "Recurring Payments." You can set up automatic payments to your checking or savings account. Choose whether you want to pay a fixed amount each month, the minimum payment, or the full balance. You can also set the payment date — most people choose a few days after payday to may support funds are available.
Automatic payments remove the risk of forgetting a due date. However, you remain responsible if insufficient funds cause the payment to fail. Check your account the day after the scheduled payment to confirm it went through. You can pause or cancel automatic payments at any time through your account settings.
What happens if you miss a payment
Synchrony reports missed payments to credit bureaus after 30 days. A late fee appears on your next statement, typically $25 to $40 depending on your card terms. If you miss a payment by more than 60 days, your interest rate may increase to a penalty rate, which can be significantly higher than your regular APR.
If you realize a payment will be late, contact Synchrony before the due date. Some cardholders have had late fees waived if they have a good payment history and call to explain the situation. There is no may provide, but asking costs nothing. After you miss a payment, paying it as soon as possible stops additional late fees from accumulating.
Payment timing and due dates
Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closing date. Synchrony counts a payment as on-time if it is received by 11:59 p.m. Eastern time on the due date. Online and phone payments post the same day or next business day. Mail payments take a week or more, so plan accordingly.
If your due date falls on a weekend or holiday, Synchrony extends the important date to the next business day. However, do not rely on this — mail your payment early enough that it arrives several days before the due date. If you are unsure whether a payment will arrive on time, use online or phone payment instead.
Frequently Asked Questions
Can I pay my Synchrony card at a retail store?
No. Even though your card is branded with a retailer's name, you cannot pay it at that store. All payments must go to Synchrony Bank directly through online, phone, mail, or automatic bank draft. Paying at the store will not credit your Synchrony account.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, request a refund check, or explore it to another Synchrony card you own. Log into your account to request a refund, or call customer service to arrange one.
Is there a fee to pay my Synchrony card online?
No. Synchrony does not charge a fee for online, phone, or automatic payments. Mail payments are also free. Some third-party payment services may charge a fee to process your payment, but Synchrony itself does not.
How do I know if my payment was received?
Log into your Synchrony account and check your payment history. Online and phone payments show as posted within one business day. For mail payments, call customer service with your check number and mailing date, and they can confirm receipt. Keep your bank statement showing the debit as additional proof.
What if I need to change my due date?
Synchrony allows you to request a due date change once per year through your online account or by calling customer service. You can move your due date to align with your payday or another date that works better for your budget. The change takes effect on your next billing cycle.