Where to send your Synchrony Bank credit card payment
Synchrony Bank issues credit cards under many brand names — Amazon, Target, Lowe's, Walmart, and others — but they all use the same payment system. You can pay online through your account, by phone, by mail, or in person at a store if your card is a retail card. The fastest and most common method is logging into your online account and making a one-time payment or setting up automatic payments.
The payment address and phone number appear on your monthly statement and on the back of your card. Synchrony does not charge a fee for any of these payment methods, though your bank may charge you a fee if you pay by phone using a debit card or checking account.
Key Takeaways
- Online payment through your Synchrony account is the fastest method and takes one to two business days to post.
- You can set up automatic payments to pay a fixed amount or your full balance on a date you choose each month.
- Mailed checks take five to seven business days to arrive and post, so send them at least a week before your due date.
- Phone payments require your account number and a debit card or checking account, and Synchrony charges no fee, but your bank may.
- Retail card payments can sometimes be made in store at the register, though this option varies by card brand and location.
Paying online through your Synchrony account
Go to mysynchrony.com and log in with your username and password. If you have not set up an online account yet, you can create one using your card number and the last four digits of your Social Security number. Once logged in, select "Make a Payment" or "Pay My Bill."
You can pay from a checking or savings account (which takes one to two business days to post) or use a debit card (which may post the same day). Enter the amount you want to pay and the date you want it to post. Synchrony will show you your current balance, minimum payment due, and due date so you can decide how much to send.
If you want to stop making manual payments each month, set up automatic payments on the same page. You can choose to pay your full statement balance, a fixed dollar amount, or your minimum payment, and pick the date each month when the payment should go out.
Paying by phone or mail
To pay by phone, call the number on the back of your card or on your statement. Have your account number ready. You will need to provide a debit card or checking account number. The payment posts within one to two business days. Synchrony does not charge a fee, but your bank may charge you a fee for paying by phone with a debit card.
To pay by mail, write a check or money order and send it to the address on your statement. Include your account number on the check. Mail takes five to seven business days to arrive, and Synchrony takes another one to two business days to post it after receiving it. Send your payment at least a week before your due date to avoid a late fee.
In-store payments for retail credit cards
If your Synchrony card is a retail card — such as Target, Walmart, Lowe's, or Amazon — you may be able to pay at the register when you shop. Not all locations offer this, and not all card types do. Ask the cashier or check your statement to see if this option is available for your card.
In-store payments post within one to two business days, the same as online payments. This method is useful if you prefer to pay in person, but it does not offer any speed advantage over online payment.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Synchrony charges a late fee. The amount varies but is typically $25 to $40 for the first late payment and may be higher for subsequent ones. A late payment also appears on your credit report and can lower your credit score.
If you know you will miss a due date, contact Synchrony before the date arrives. Explain your situation and ask if they can waive the fee or give you a few extra days. They cannot always do this, but it is worth asking. If you have a history of on-time payments, they may be willing to work with you.
Setting up automatic payments to avoid missed important date
The easiest way to never miss a payment is to set up automatic payments through your online account. You choose the amount (full balance, minimum payment, or a fixed dollar amount) and the date each month. The payment goes out automatically on that date, and you receive a confirmation email.
If you set automatic payments to your full statement balance, your balance will be zero after each payment posts. If you set it to a fixed amount or minimum payment, you will still carry a balance and pay interest on it. Review your automatic payment settings once a year to make sure the amount still makes sense for your situation.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments from a checking or savings account take one to two business days to post to your account. Debit card payments may post the same day. Payments made after 8 p.m. Eastern time are processed the next business day.
Can I pay my Synchrony card with a credit card?
No. Synchrony does not accept credit card payments. You can only pay with a debit card, checking account, savings account, or check. Paying a credit card with another credit card is also a cash advance on the second card and comes with high fees and interest.
What if I pay more than I owe?
If you overpay, Synchrony holds the extra amount as a credit on your account. You can use it toward your next purchase, or you can request a refund by calling the number on your statement. Refunds take five to seven business days.
Do I have to pay the full balance or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. Paying only the minimum keeps your account in good standing, but you will pay interest on the remaining balance. Paying more than the minimum reduces the interest you pay over time.
What if my payment was rejected?
A payment can be rejected if your bank account has insufficient funds, the account number is wrong, or the card has expired. Synchrony will send you a notice if a payment fails. Contact your bank to fix the account issue, then try paying again through your Synchrony account or by phone.