How to pay your Synchrony Bank credit card online
You can pay your Synchrony Bank credit card through the Synchrony Bank website or mobile app. Log in with your username and password, go to the "Make a Payment" section, enter the amount you want to pay, and choose your payment date. Synchrony accepts payments from a bank account (ACH transfer) or debit card, and the payment posts within one to two business days.
If you don't have an online account yet, you'll need to set one up first. Go to synchronybank.com, click "Enroll Now," and follow the prompts to create your username and password. You'll need your card number and Social Security number to register.
Payments made before 8 p.m. ET on a business day typically post the next business day. Weekend and holiday payments post the following business day. There is no fee to pay online through your Synchrony account.
Key Takeaways
- You can pay online through synchronybank.com or the Synchrony mobile app by logging in and selecting "Make a Payment."
- Synchrony accepts ACH transfers from your bank account and debit card payments, both of which post within one to two business days.
- You can set up automatic monthly payments through your online account so you don't have to remember to pay each month.
- Payments made before 8 p.m. ET on a business day post the next business day; weekend payments post the following business day.
- If you prefer not to pay online, you can mail a check to the address on your statement, though mailed payments take longer to reach Synchrony.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to "Manage Automatic Payments," and select the amount you want to pay each month—either your full statement balance, a fixed dollar amount, or your minimum payment. Choose the date the payment should come out of your bank account each month.
You can change or cancel automatic payments anytime through your account. If you set up autopay for your full statement balance, Synchrony will charge your bank account a few days after your statement closes, so the payment covers everything you spent that month.
Automatic payments are drawn from the bank account you link during setup. Make sure you have enough funds available on your payment date, or the payment may fail and you could face a late fee.
Paying by phone or mail
If you don't want to pay online, you can call Synchrony's customer service at the number on the back of your card to make a payment over the phone. A representative will ask for your bank account or debit card information and the amount you want to pay. Phone payments are processed the same way as online payments and post within one to two business days.
You can also mail a check or money order to the address listed on your statement. Write your account number on the check and mail it to the payment address shown on your bill. Mailed payments take seven to ten business days to post, so send your payment well before your due date if you choose this method.
Do not send cash in the mail. If you mail a payment, keep a copy of the check or money order for your records.
Understanding payment timing and due dates
Your due date is listed on your monthly statement. If you pay by the due date, you won't be charged a late fee. Synchrony counts a payment as on time if it posts to your account by 5 p.m. ET on your due date.
If your due date falls on a weekend or holiday, Synchrony extends your due date to the next business day. Payments made on the due date still post the next business day, so if your due date is Friday, a payment you make Friday morning will post Saturday but still count as on time.
If you miss your due date, Synchrony may report the late payment to credit bureaus and charge a late fee. The late fee amount depends on your card terms. Paying as soon as you realize you're late can help limit the damage to your credit score.
What to do if your payment fails
A payment can fail if your bank account doesn't have enough funds, your bank rejects the transfer, or your debit card information is incorrect or expired. Synchrony will notify you by email or through your online account if a payment fails.
If a payment fails, log back into your account and try again with a different payment method or bank account. If you used a debit card, make sure the card number, expiration date, and CVV are correct. If you used ACH, confirm your bank account and routing number are accurate.
If your payment failed close to your due date, call Synchrony customer service right away to discuss your options. A late fee may still explore, but Synchrony may be able to work with you if the failure was their error.
Paying off your balance faster
If you want to pay down your balance between statement cycles, you can make extra payments anytime through your online account or by phone. These payments reduce the amount of interest you'll owe on your next statement. There's no limit to how many payments you can make or penalty for paying early.
Making multiple smaller payments throughout the month instead of one large payment at the end can help you manage cash flow and reduce the interest charges that build up on your balance. Each payment posts within one to two business days.
If you're carrying a large balance and want to pay it off faster, consider setting up automatic payments for more than your minimum payment. This approach ensures you're making progress on your debt every month without having to remember to log in each time.
Frequently Asked Questions
How long does it take for a Synchrony payment to post?
Payments made before 8 p.m. ET on a business day post the next business day. Payments made on weekends or holidays post the following business day. Mailed checks take seven to ten business days to post.
Can I pay my Synchrony card from another bank's app?
You may be able to pay through your own bank's bill pay feature if your bank supports it. Log into your bank's app, set up Synchrony as a payee using the address on your statement, and send a payment. This method takes longer—usually seven to ten business days—so plan ahead.
What happens if I pay more than I owe?
If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use it toward future purchases, or contact customer service to request a refund of the overpayment.
Is there a fee to pay my Synchrony card online?
No. Synchrony does not charge a fee for online payments made through their website or app, whether you use ACH or a debit card.
Can I change my payment date?
Yes. Log into your account and go to "Manage Automatic Payments" to change the date your automatic payment comes out each month. For one-time payments, you can choose any date you want when you make the payment.