What the Maurice Credit Card Is
The Maurice credit card is a store card issued by Synchrony Bank that you can use at Maurice locations and online. It works like most retail cards: you make purchases at the store, receive a bill, and pay it back over time. The card comes with a credit limit set by the issuer based on your credit history and income.
Maurice is a women's fashion retailer, so this card is designed for shoppers who buy there regularly. You can use it only at Maurice and its affiliated stores — not at other retailers or restaurants. If you already shop at Maurice, a store card can sometimes offer discounts or special financing on purchases.
Key Takeaways
- The Maurice card is issued by Synchrony Bank and can only be used at Maurice stores and online at maurices.com.
- You will need to provide your Social Security number, income, and current address when you request the card, whether in-store or online.
- The card charges interest on unpaid balances unless you take advantage of promotional financing offers, which vary by purchase amount.
- Your payment history on the Maurice card reports to the three major credit bureaus, so on-time payments help your credit score.
- You can manage your account online through Synchrony's portal, where you view your balance, make payments, and check your credit limit.
How to Request the Maurice Card
You can request the card in two ways: in a Maurice store at checkout, or online at maurices.com. In-store, a cashier will hand you an process form or direct you to a kiosk. Online, you'll find the card offer on the Maurice website, usually near the top of the homepage or in the account section.
The process takes about 10 minutes and asks for your name, address, phone number, date of birth, Social Security number, annual income, and employment status. You'll also confirm that you want credit inquiries made on your behalf. Once you submit, Synchrony reviews your information and makes a decision — usually within minutes for online applications, though some take a few business days.
If you're approved, you can use the card when ready for online purchases. In-store, you may receive a temporary card number to use right away, or you can wait for a physical card to arrive by mail, which typically takes 7 to 10 business days.
Interest Rates and Promotional Offers
The Maurice card carries a variable interest rate, which means the rate can change over time. Synchrony does not publish the exact rate on their website — it depends on your credit score and credit history. You'll see your specific rate in your cardmember agreement after approval.
Maurice frequently runs promotional financing offers, such as "12 months special financing on purchases of $50 or more" or "18 months special financing on purchases of $100 or more." These promotions mean you pay no interest during that period if you make on-time payments. If you miss a payment or don't pay off the balance by the end of the promotional period, interest kicks in retroactively on the full original amount.
Outside of promotions, any unpaid balance accrues interest at your card's regular rate. The card also charges a late fee if your payment arrives after the due date, though the amount varies. Check your cardmember agreement or account online to see the exact fee.
Managing Your Account Online
Your Maurice card account is managed through Synchrony's website, not Maurice's. Go to mysynchrony.com and select "Maurice" from the list of cards. You'll log in with an email address and password you create during your first visit.
Once logged in, you can view your current balance, available credit, recent transactions, and due date. You can make a payment using a bank account or debit card, set up automatic monthly payments, and read statements as PDFs. You can also update your mailing address and phone number, though you'll need to contact Synchrony directly to change your income or employment information.
If you forget your password, use the "Forgot Password" link on the login page. Synchrony will send a reset link to your email. If you don't have email access or need to speak with someone, Synchrony's customer service number is on the back of your physical card or in your monthly statement.
How the Card Affects Your Credit
The Maurice card reports your payment history to Equifax, Experian, and TransUnion — the three major credit bureaus. This means your activity on the card shows up on your credit report and influences your credit score. Paying on time every month helps your score; missed or late payments hurt it.
The card also reports your credit limit and current balance, which affects your credit utilization ratio — the percentage of your available credit that you're using. For example, if your limit is $500 and your balance is $250, your utilization is 50 percent. Keeping utilization below 30 percent is generally better for your score.
When you first request the card, Synchrony performs a hard inquiry on your credit report. This inquiry may lower your score slightly for a few months, but the impact is usually small if you have other accounts in good standing.
Fees and Costs to Know
The Maurice card does not charge an annual fee, so there's no yearly cost just to hold it. However, you will pay interest on unpaid balances outside of promotional periods, and you'll pay a late fee if your payment is not received by the due date.
If you make a payment by phone or mail, Synchrony may charge a convenience fee, though this is usually waived for online payments made through their website. If you go over your credit limit, some card issuers charge an over-limit fee, though Synchrony's policy on this varies — check your cardmember agreement or call customer service to confirm.
Cash advances are not available on the Maurice card, so you cannot withdraw cash using it. If you need cash, you'll need to use a different card or payment method.
What Happens If You Miss a Payment
If your payment is late, Synchrony will charge a late fee and report the missed payment to the credit bureaus after 30 days. A single late payment can lower your credit score by 100 points or more, depending on your overall credit profile.
If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask if they can waive the late fee as a one-time courtesy — many issuers will do this if you have a clean payment history otherwise. Make your payment when ready to stop additional fees and prevent further credit damage.
If you fall behind by 60 or 90 days, Synchrony may freeze your account and demand full payment. If you don't pay, the account may be sent to a collection agency, which will pursue you for the debt and report it to the credit bureaus. This can stay on your credit report for up to seven years.
Frequently Asked Questions
Can I use the Maurice card anywhere besides Maurice?
No. The Maurice card works only at Maurice stores and on maurices.com. You cannot use it at other retailers, restaurants, or gas stations. If you need a card that works everywhere, you'll need a different credit card from a bank or card issuer.
What's the difference between the Maurice card and a regular credit card?
A store card is tied to one retailer and usually has a lower credit limit than a general-purpose card. Store cards often offer promotional financing and discounts on purchases, but you can't use them outside that store. A regular credit card from Visa, Mastercard, or American Express works at most merchants and usually has a higher limit.
How long does it take to get approved?
Online applications usually receive a decision within minutes. In-store applications may take a few business days. Once approved, you can use the card for online purchases right away, but a physical card arrives by mail in 7 to 10 business days.
What if I want to close my Maurice card account?
Call Synchrony's customer service number on the back of your card or your statement and ask to close the account. Pay off any remaining balance first. Once closed, the account will still appear on your credit report for up to seven years, but it will show as closed.
Does the Maurice card have a rewards program?
Maurice does not offer a traditional rewards program with points or cash back on the card itself. However, the store runs regular promotions and special financing offers for cardholders, which you'll see advertised in-store and online. Sign up for Maurice's email list to stay informed about upcoming offers.