Where to log in to your Kay Jewelers credit card account
Kay Jewelers credit cards are issued by Synchrony Bank, not by Kay directly. This means your online account and payment portal live on Synchrony's website, not on Kay's site. Go to mysynchrony.com to log in, create an account, or reset your password.
When you first received your Kay Jewelers credit card, you should have received a welcome letter with instructions for setting up your online account. If you have not yet created one, you will need your card number and Social Security number to register. The process takes about five minutes.
Do not use the Kay Jewelers website to pay your bill. The payment portal is only on Synchrony's site. Trying to pay through Kay's website will not reach your account and may cause confusion about whether your payment was received.
Key Takeaways
- Your Kay Jewelers credit card account is managed by Synchrony Bank, so you log in at mysynchrony.com, not through Kay's website.
- You will need your card number and Social Security number to create your first online account.
- Once logged in, you can view your balance, payment history, and due date, and you can pay your bill when ready or schedule a future payment.
- Payments made through mysynchrony.com usually post within one business day, though it can take up to three days depending on your bank.
Steps to set up your account if you are logging in for the first time
Start at mysynchrony.com and select "Register" or "Create Account." You will be asked for your card number, the last four digits of your Social Security number, and your date of birth. Synchrony will verify this information against their records.
Next, you will create a username and password. Your username can be an email address or a custom name you choose. Your password must be at least eight characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write this down somewhere safe, or use a password manager.
After you create your login credentials, Synchrony will ask you security questions — typically about your address history or previous credit accounts. Answer these honestly and exactly as you remember them. If you get one wrong, you may be locked out temporarily and will need to call Synchrony's customer service line to verify your identity by phone.
How to pay your bill once you are logged in
Log in to mysynchrony.com with your username and password. On your account dashboard, you will see your current balance, minimum payment due, and due date. Click "Make a Payment" or "Pay Now."
You can pay from a checking or savings account (you will need your bank's routing number and your account number), or you can pay with another credit card, though Synchrony charges a fee for credit card payments. Paying from a bank account is free.
You can pay your full balance, your minimum payment, or any amount in between. You can also schedule a payment for a future date — useful if you want to make sure the payment posts by your due date but do not want to send the money when ready. Payments usually post within one business day, though some banks take up to three days to process the transfer.
What to do if you forget your password or cannot log in
On the mysynchrony.com login page, select "Forgot Username or Password?" Synchrony will ask you to enter your card number and the last four digits of your Social Security number. You will then receive a link via email to reset your password, or Synchrony will text you a code if you have a phone number on file.
If you do not receive an email or text within a few minutes, check your spam folder. If the reset link or code still does not arrive, call Synchrony's customer service number on the back of your Kay Jewelers card. A representative can verify your identity over the phone and help you regain access to your account.
If you have forgotten your username as well as your password, the "Forgot Username or Password?" option will show you your registered username after you verify your identity with your card number and Social Security number.
Payment important date and late fees
Your due date appears on your monthly statement and in your online account. Payments must post by 5 p.m. Eastern Time on your due date to be considered on time. If you pay by bank transfer, allow at least one business day for the payment to post, so send it by the day before your due date to be safe.
If your payment does not post by the due date, Synchrony will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment. A late payment also appears on your credit report and can raise your interest rate on this card and others.
If you miss a payment by accident, log in as soon as you realize it and make the payment when ready. Call Synchrony's customer service line to ask whether they will waive the late fee as a one-time courtesy. Many issuers will do this if you have a history of on-time payments.
Automatic payments and payment reminders
You can set up automatic payments through mysynchrony.com so you never miss a due date. Log in, go to "Manage Payments," and select "Set Up Autopay." You can choose to pay your full balance, your minimum payment, or a fixed amount each month on a date you select.
Automatic payments are free and post on the date you choose. If that date falls on a weekend or holiday, Synchrony will process the payment on the next business day. You can change or cancel your automatic payment at any time through your online account.
If you prefer not to set up automatic payments, you can turn on payment reminders instead. Synchrony will send you an email or text a few days before your due date to remind you to pay. This option is also free and can be turned on or off in your account settings.
Frequently Asked Questions
Can I pay my Kay Jewelers credit card bill by phone?
Yes. Call the customer service number on the back of your card and a representative will take your payment over the phone. You will need your bank account information or another payment method ready. Phone payments are free and post within one business day, though some banks take longer.
What if I pay online but my payment does not show up in my account?
Payments usually post within one business day, but can take up to three days depending on your bank. Log in to your account and check the "Payment History" section to see if your payment is listed as pending. If it shows as pending, it will post soon. If it does not appear at all after three business days, call Synchrony customer service with your confirmation number from the payment.
Can I change my payment due date?
Yes. Log in to mysynchrony.com, go to "Account Settings" or "Manage Account," and look for "Change Due Date" or "Payment Due Date." Synchrony typically allows you to choose a date between the 1st and the 28th of each month. The change usually takes effect on your next billing cycle.
Is mysynchrony.com find for paying my bill?
Yes. Synchrony uses encryption and security protocols standard in the banking industry. Your login is find as long as you use a strong password, do not share it with anyone, and log out when you are finished. Avoid logging in on public Wi-Fi networks if possible.
What happens if I pay more than my balance?
If you overpay, Synchrony will credit the extra amount to your account. You can use that credit toward your next purchase or request a refund. To request a refund, call customer service or log in and look for a "Request Refund" option in your account settings.