Access your Harley-Davidson credit card account online
To log into your Harley-Davidson credit card account, go to the Synchrony Bank portal at www.mysynchrony.com. Synchrony Bank is the issuer behind the Harley-Davidson credit card, so all account access runs through their website. You will need your username and password, or you can use your Social Security number and ZIP code if you do not have those credentials yet.
The login page is straightforward: enter your username in the first field, your password in the second, and select "Sign In". If you have not set up online access before, you will see a "Register" or "Enroll" button on the same page — that takes you through creating a username and password in a few minutes.
Once logged in, you can view your current balance, recent transactions, payment due date, and available credit. You can also make a payment, update your contact information, and read statements from this portal.
Key Takeaways
- The Harley-Davidson credit card is issued by Synchrony Bank, so you log in at www.mysynchrony.com, not through Harley-Davidson's main website.
- You can sign in with a username and password, or with your Social Security number and ZIP code if you have not enrolled in online access yet.
- First-time users need to register for an account, which takes a few minutes and creates login credentials you will use going forward.
- From your account dashboard, you can check your balance, make payments, view statements, and update your contact details.
Set up online access if you do not have a username yet
If you received your Harley-Davidson credit card in the mail but have not created online login credentials, start at www.mysynchrony.com and look for the "Enroll" or "Register" link. Click it and you will be asked to enter your card number, Social Security number, and ZIP code to verify your identity.
After verification, you will create a username and password. Choose a username you can remember — it does not have to match your name. Your password should be at least 8 characters and include uppercase letters, lowercase letters, and numbers for security. Write these down or save them in a password manager so you do not lose them.
Once you complete enrollment, you can log in when ready using your new username and password. Your account will show your current balance and credit limit right away.
Reset your password if you forget it
On the Synchrony login page, select the "Forgot Password?" link below the password field. You will be asked to enter your username or the email address associated with your account. Synchrony will send a password reset link to that email address.
Click the link in the email — it usually works for 24 hours. You will then create a new password using the same requirements as before: at least 8 characters with uppercase, lowercase, and numbers. After you set the new password, return to www.mysynchrony.com and log in with your username and the new password.
If you do not receive the reset email within a few minutes, check your spam or junk folder. If it is not there, call the customer service number on the back of your Harley-Davidson credit card and they can help you regain access.
Make a payment from your online account
Once you are logged in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Click it and you will see your current balance and minimum payment due. You can pay any amount from the minimum up to your full balance.
Choose your payment method: you can pay from a bank account (which is free and usually processes in one to two business days) or by debit card (which may have a fee). Enter the account or card details and the amount you want to pay, then review the details before confirming.
Synchrony will show you a confirmation number and the expected payment date. Keep that confirmation number in case you need to reference the payment later. Payments made before 8 p.m. Eastern Time on a business day usually post the next business day.
read statements and view transaction history
Your account dashboard shows recent transactions — usually the last 60 to 90 days. To see older activity, look for a "Statements" or "Documents" section. You can read statements as PDF files for any month your account has been active.
Each statement shows your opening balance, all charges and credits during that month, your closing balance, minimum payment due, and payment due date. Statements are usually available online a few days after your billing cycle closes.
You can also set up paperless statements if you prefer not to receive them by mail. This option is usually in your account settings or preferences section.
Update your contact information and notification settings
From your account dashboard, find the "Profile," "Settings," or "Account Information" section. Here you can update your mailing address, phone number, and email address. If you move or change your phone number, update this information so Synchrony can reach you about your account.
You can also control how Synchrony contacts you: by mail, phone, email, or text. Some notifications are required (like your monthly statement), but you can often choose whether to receive promotional offers or payment reminders. Adjust these preferences based on what works for you.
Troubleshoot common login problems
If you see an error message saying your username or password is incorrect, make sure you are typing them exactly as you created them — they are case-sensitive, meaning uppercase and lowercase letters matter. If you are still locked out after a few attempts, use the "Forgot Password?" link to reset it.
If the website is loading slowly or not at all, try clearing your browser's cache and cookies, then reload the page. You can also try logging in from a different browser or device to see if the problem is specific to your computer. If the site is down for maintenance, Synchrony usually posts a notice on the login page.
If you see a message about your account being locked or suspended, call the customer service number on the back of your card. This usually happens after multiple failed login attempts, and customer service can unlock your account and verify your identity over the phone.
Frequently Asked Questions
Is www.mysynchrony.com the only way to check my Harley-Davidson credit card balance?
The online portal is the fastest way, but you can also call the customer service number on the back of your card to speak with a representative who can tell you your balance, recent transactions, and payment due date. Some cardholders also receive balance information in their monthly paper statement.
Can I pay my Harley-Davidson credit card bill by phone or mail?
Yes. You can call the number on the back of your card to make a payment over the phone, or mail a check to the address shown on your statement. Online payment through the Synchrony portal is usually fastest, but phone and mail payments are still available.
What should I do if I think someone else is using my account?
Log in to your account and check your recent transactions for charges you did not make. If you see fraud, call the customer service number on the back of your card when ready. Synchrony can freeze your account, investigate the charges, and issue you a new card with a different number.
How long does it take to receive a password reset email?
Synchrony usually sends the reset email within a few minutes. Check your inbox and spam folder. If you do not see it after 10 minutes, try requesting the reset again or call customer service for help.
Can I change my username after I create it?
Most online banking portals do not allow username changes after enrollment. If you want a different username, contact Synchrony customer service and ask if they can update it for you, though some systems require you to re-enroll with a new username instead.