What "My Synchrony" is and how to get there
My Synchrony is the online portal where you manage your Synchrony credit card account. It is where you check your balance, make payments, view your statement, update your address, and see your credit limit and available credit. You reach it by going to mysynchrony.com or through the Synchrony mobile app.
You do not need a separate password or username to set up — if you have a Synchrony credit card, you already have an account in the system. The first time you log in, you will create your own username and password. You will need your card number and the zip code on file with your account to start the registration process.
Key Takeaways
- My Synchrony is accessed at mysynchrony.com or through the Synchrony mobile app, and you create your own username and password on first login.
- You can view your current balance, available credit, recent transactions, and full statements without calling customer service.
- Payments made through My Synchrony typically post within one business day, though payments made by phone or mail take longer.
- You can set up automatic payments, update your contact information, and request a credit limit increase directly in the portal.
- If you forget your password, use the "Forgot Username or Password" link on the login page to reset it by email or security questions.
How to create your My Synchrony login
Go to mysynchrony.com and select "Register Now" or "New User." You will be asked for your card number and the zip code associated with your account. After you enter those, Synchrony will verify your identity — usually by asking you security questions about your personal information or sending a verification code to your email address or phone number.
Once you pass verification, you create a username and password. Your username can be your email address or a custom name you choose. Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write down your username and password in a safe place, or use a password manager.
After you set your password, you will be taken to your account dashboard. From there, you can see your balance, recent activity, and payment options right away.
Viewing your balance, credit limit, and transactions
When you log into My Synchrony, your current balance appears on the main dashboard. This is the amount you owe as of the most recent update — usually the same day. Just below that, you will see your available credit (your credit limit minus what you have charged) and your minimum payment due.
To see a full list of your recent transactions, click "View Transactions" or "Recent Activity." You can filter by date range, merchant, or transaction type. This is useful if you want to check whether a purchase posted or if you do not recognize a charge. You can also read your transactions as a CSV file if you need them for budgeting or tax purposes.
Your full statement is available under "Statements" or "View Statement." Synchrony keeps statements for at least 12 months. You can view, read, or print any statement from that period. Your statement shows your opening balance, all charges and credits, fees, interest charges, your closing balance, and your minimum payment due date.
Making a payment through My Synchrony
To make a payment, click "Make a Payment" on your dashboard. You will see your current balance and minimum payment due. You can pay the full balance, the minimum, or any amount in between. Enter the amount you want to pay.
Next, choose how you want to pay. Most cardholders pay from a bank account (checking or savings) by entering their routing number and account number. You can also pay by debit card. Synchrony does not charge a fee for bank account or debit card payments made through the portal.
Choose your payment date. If you select today or tomorrow, the payment will post within one business day. If you choose a future date, Synchrony will process it on that date. After you confirm, you will see a confirmation number — save this for your records.
You can also set up automatic payments so you never miss a due date. Under "Manage Automatic Payments," choose whether you want to pay the full balance, the minimum, or a fixed amount each month. Select the date the payment should come out (usually between the 1st and 28th of the month), and Synchrony will deduct it automatically from your bank account.
Updating your personal information and contact details
Your address, phone number, and email address can all be changed in My Synchrony without calling. Click "Account Settings" or "Profile," then "Personal Information." Update any field that has changed. If you move, update your address right away so your statements and payment notices reach you.
You can also change how Synchrony contacts you. Under "Communication Preferences," you can choose whether you want statements by mail, email, or both. You can also opt in or out of promotional emails and text messages. If you want to receive payment reminders by text or email, you can turn those on here as well.
Requesting a credit limit increase or reporting a problem
Some Synchrony cards let you request a credit limit increase directly in the portal. Look for "Credit Limit" or "Increase Credit Limit" in your account menu. Synchrony will show you whether you are may be able to access and what your new limit could be. If you request an increase, Synchrony will usually let you know the decision within minutes. A hard inquiry may appear on your credit report.
If you see a charge you do not recognize, click "Report Fraud" or "Dispute a Transaction" in your account menu. Describe the transaction and why you are disputing it. Synchrony will investigate and contact you within a few business days. While the dispute is being reviewed, the charge may still appear on your account, but you are not responsible for paying it while Synchrony investigates.
For other problems — a lost card, a technical issue with the website, or a question about your account — you can contact Synchrony customer service by phone, email, or live chat. The phone number is on the back of your card and on the My Synchrony website.
Troubleshooting login and access issues
If you forget your username, go to mysynchrony.com and click "Forgot Username or Password." Enter your card number and zip code. Synchrony will send a link to your email address or ask you security questions. After you verify your identity, you can reset your username and password.
If you cannot remember the email address you used to register, or if you do not have access to that email anymore, call Synchrony customer service. They can verify your identity over the phone and help you regain access to your account or update your email address on file.
If the My Synchrony website is slow or you cannot log in, try clearing your browser cache and cookies, then try again. If you are using an older browser, update it. The Synchrony mobile app is often faster and more reliable than the website, so read it if you are having trouble on the web version.
Frequently Asked Questions
How long does a payment take to show up in My Synchrony?
Payments made through My Synchrony from a bank account or debit card usually post within one business day. If you pay by phone or mail, it takes 5 to 7 business days. Always make your payment at least a week before your due date to avoid a late fee.
Can I see my credit score in My Synchrony?
Some Synchrony cards include a free credit score tool in the portal, but not all. Log in and look for "Credit Score" or "Credit Insights" in your menu. If it is not there, your card does not include this feature. You can check your credit score for free through other websites or your bank.
What should I do if I think my account has been hacked?
Call Synchrony customer service when ready using the number on the back of your card. Do not use a number from an email or text message. Synchrony can freeze your account, cancel your card, and review your recent transactions. They will also help you set up a new password and find your account.
Can I read my statements from My Synchrony?
Yes. Go to "Statements" or "View Statement," select the month you want, and click "read" or "Print." You can save statements as a PDF file. Synchrony keeps statements available for at least 12 months, so you can read older statements if you need them for records or taxes.
Is My Synchrony safe to use on my phone?
Yes, both the website and the mobile app use encryption to protect your information. However, only log in on your own device or a trusted computer. Do not log in on a public Wi-Fi network or a shared device. Always log out when you are done, especially on a shared phone or computer.