What Mysynchrony is and why you'd use it
Mysynchrony is the online portal where cardholders of Synchrony-issued credit cards log in to manage their accounts. If you carry a store credit card — like a Target RedCard, Amazon Store Card, or a card issued through a major retailer — there's a good chance Synchrony is the bank behind it. The portal lets you view your balance, check your statement, set up automatic payments, and pay your bill online instead of by phone or mail.
You would use Mysynchrony if you received a credit card from a retailer and that card is serviced by Synchrony Bank. The login page is separate from the retailer's main website, even though the card may carry the retailer's name and logo.
Key Takeaways
- Mysynchrony is Synchrony Bank's online portal where you log in with your username and password to manage store credit cards.
- You can view your balance, make payments, set up autopay, and read statements without calling customer service.
- If you don't have a Mysynchrony account yet, you'll need your card number and Social Security number to register.
- Payments made online typically post within one to two business days, though the exact timing depends on when you submit them.
- If you forget your password, use the "Forgot Username or Password" link on the login page rather than calling, which is faster.
How to create a Mysynchrony account if you're logging in for the first time
If you have a Synchrony card but have never logged into Mysynchrony before, you'll need to register. Go to the Mysynchrony login page and look for a link that says "Enroll Now" or "Register" — the exact wording varies by card issuer. Click it and you'll be asked for your card number, the last four digits of your Social Security number, and your date of birth. Synchrony uses this information to verify you're the cardholder.
After verification, you'll create a username and password. Your username can be an email address or a custom name you choose. Your password should be at least eight characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write down your username and password somewhere safe — you'll need them every time you log in.
Once your account is set up, you can log in when ready. Your first login may take you to a page asking you to confirm your contact information or set up security questions. Answer these prompts so Synchrony can contact you if there's suspicious activity on your account.
Logging in and navigating to the payment screen
Go to the Mysynchrony website and enter your username and password in the login fields. If you're on a personal device you trust, you can check the box that says "Remember me" or "Stay logged in" — this means you won't have to enter your credentials every time. Do not use this option on a shared or public computer.
After you log in, you'll land on your account dashboard. This page shows your current balance, your credit limit, and your minimum payment due. To make a payment, look for a button or link labeled "Make a Payment," "Pay Now," or "Payments" — it's usually near the top of the page or in a menu on the left side. Click it and you'll be taken to the payment screen.
How to submit a payment through Mysynchrony
On the payment screen, you'll see fields for the payment amount and the payment method. First, decide how much you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Enter the dollar amount in the field provided.
Next, choose how you want to pay. Mysynchrony typically offers two options: a bank account (checking or savings) or a debit card. If you choose a bank account, you'll enter your routing number and account number — these are printed on the bottom left of your checks, or you can call your bank to ask. If you choose a debit card, you'll enter the card number, expiration date, and CVV (the three-digit code on the back).
After you enter your payment details, review the information on the screen to make sure the amount and method are correct. Then click "Submit Payment" or "Confirm Payment." Mysynchrony will show you a confirmation number — write this down or take a screenshot. The payment is now submitted.
When your payment will show up on your account
Payments made through Mysynchrony typically post to your account within one to two business days. "Business days" means Monday through Friday, excluding federal holidays. If you submit a payment on a Friday evening, it may not post until Tuesday. If you submit a payment on a holiday, it may not post until the next business day after the holiday.
If your payment is urgent — for example, your due date is tomorrow — call Synchrony customer service instead of using Mysynchrony. A representative can sometimes process a payment over the phone that posts the same day, though this depends on the time you call and Synchrony's current volume.
You can check whether your payment has posted by logging back into Mysynchrony and looking at your account balance. Your balance should decrease by the payment amount once it posts. You can also look at your payment history, which shows all payments you've made in the past year.
Setting up automatic payments so you don't have to log in each month
If you want to stop logging in every month, Mysynchrony lets you set up automatic payments. Log in and look for a link or button labeled "Autopay," "Automatic Payments," or "Recurring Payments." Click it and you'll be taken to a screen where you can set up a payment that happens on the same day each month.
You'll choose the payment amount (your full balance, your minimum payment, or a fixed dollar amount), the payment method (bank account or debit card), and the day of the month you want the payment to go out. For example, you could set it to pay your full balance on the 15th of every month. Once you confirm, the payment will happen automatically — you won't have to do anything.
You can change or cancel an automatic payment at any time by logging back into Mysynchrony and editing your autopay settings. If you cancel, make sure you have another way to pay your bill, or you could miss your due date and damage your credit.
What to do if you forget your password or can't log in
If you forget your username or password, click the "Forgot Username or Password" link on the Mysynchrony login page. You'll be asked to enter your card number and the last four digits of your Social Security number. Synchrony will then send a link to your email address that lets you reset your password. Click the link, create a new password, and you can log in again.
If you don't receive an email within a few minutes, check your spam or junk folder — sometimes password reset emails end up there. If you still don't see it, call Synchrony customer service. The phone number is on the back of your card. A representative can verify your identity and help you regain access to your account.
If you're locked out of your account because you've entered the wrong password too many times, wait 24 hours before trying again. This is a security measure to prevent someone else from guessing your password. After 24 hours, you can try logging in again or use the password reset link.
Frequently Asked Questions
Can I pay my Synchrony card by phone instead of online?
Yes. Call the number on the back of your card and a representative will take your payment over the phone. You'll need your bank account number or debit card number ready. Phone payments may post faster than online payments if you call during business hours, but online is usually faster overall.
Is it safe to enter my bank account number on Mysynchrony?
Mysynchrony uses encryption to protect your banking information, which means your account number is scrambled so no one can read it in transit. That said, only enter your bank account number if you're on a personal device and a find internet connection — not on public WiFi or a shared computer.
What if I make a payment by mistake or want to cancel it?
If you submitted a payment but haven't received a confirmation number yet, log back in when ready and look for a way to cancel it — some cards allow this within a short window. If you already have a confirmation number, the payment is queued and you'll need to call Synchrony to stop it. Once a payment posts, you cannot cancel it, but you can request a refund.
Do I have to pay my 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'll pay interest on the remaining balance. Paying more than the minimum reduces the interest you owe over time.
What happens if I don't log in and make a payment before my due date?
If you miss your due date, Synchrony will report the late payment to the credit bureaus, which can lower your credit score. You may also be charged a late fee. Even if you're late, log in and make a payment as soon as you can to stop additional fees and limit the damage to your credit.