At Home credit card payments go to Synchrony Bank, the company that issues the card, not to At Home stores themselves
At Home uses a co-branded credit card issued by Synchrony Bank. When you make a payment, you are sending money to Synchrony, not to At Home. This matters because it changes where you send the payment and which customer service number you call if something goes wrong.
You can pay online through your Synchrony account, by phone, by mail, or in person at an At Home store. The method you choose affects how fast the payment posts and whether you can set it up to happen automatically each month.
Key Takeaways
- Payments go to Synchrony Bank, not At Home, so you log into your Synchrony account or call Synchrony's customer service to make a payment.
- Online payments through your Synchrony account typically post within one business day and let you set up automatic monthly payments.
- Phone payments to Synchrony are processed immediately but require you to have your card number and bank account information ready.
- Mail payments take seven to ten business days to arrive and post, so send them early if your due date is approaching.
- In-store payments at At Home locations are processed by Synchrony and may take one to two business days to show on your account.
Paying online through your Synchrony account
Log into your account at mysynchrony.com or through the Synchrony mobile app. Once you are signed in, select the At Home card and choose "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Synchrony lets you schedule the payment for today or a future date.
Online payments typically post within one business day. If you set up automatic payments, Synchrony will deduct the amount you choose on the date you select each month. You can change the amount or pause automatic payments anytime through your account.
Paying by phone with Synchrony
Call Synchrony customer service at the number on the back of your At Home card. Have your card number, bank account number, and routing number ready. A representative will walk you through the payment and confirm the amount and date.
Phone payments are processed immediately, but it may take one business day for the payment to show as posted on your account. This method works if you do not have online access or prefer to speak with someone, but it is slower than paying online.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your statement or on the back of your card. Do not send cash through the mail.
Mail payments take seven to ten business days to arrive and post to your account. If your due date is within two weeks, mail is not a reliable option. Send mail payments early or use online or phone payment instead to avoid a late fee.
Paying in person at an At Home store
Some At Home locations accept credit card payments at the customer service desk. Ask at the register or customer service counter whether your store offers this. You will need your card or account number and a form of payment (cash, check, or debit card).
In-store payments are sent to Synchrony and typically post within one to two business days. This option is convenient if you are already shopping, but it is not faster than paying online and carries the same processing time.
What to do if your payment is late or missed
If you miss your due date, Synchrony will charge a late fee and may report the missed payment to credit bureaus. Call Synchrony immediately if you know a payment will be late. Some situations allow Synchrony to waive a single late fee, especially if you have a good payment history.
If you are struggling to make payments, contact Synchrony about hardship programs or payment plans. Synchrony may be able to lower your interest rate or adjust your payment schedule temporarily. The sooner you reach out, the more options you may have.
Setting up automatic payments to avoid missed due dates
The easiest way to stay on time is to set up automatic payments through your Synchrony account. You choose the amount (minimum payment, full balance, or a fixed dollar amount) and the date each month. Synchrony deducts the payment automatically, so you do not have to remember to pay.
You can change or cancel automatic payments anytime through your account. If your balance varies month to month, set automatic payments to the minimum to avoid overpaying, then pay extra when you can. Review your account regularly to make sure the automatic payment is working.
Frequently Asked Questions
How do I know if my payment went through?
Log into your Synchrony account and check the transaction history. Online and phone payments show as pending immediately and post within one business day. Mail and in-store payments may take longer to appear. If you do not see the payment after the expected time, call Synchrony customer service.
Can I pay my At Home card at an At Home store with a different payment method?
At Home stores that accept card payments typically take cash or check. Some may accept debit cards. Call your local store to confirm what payment methods they accept at the customer service desk.
What if I pay more than I owe?
Synchrony will credit the overpayment to your account. You can use the credit toward future purchases or request a refund. Contact Synchrony customer service to request a refund if you prefer not to carry a credit balance.
Is there a fee for paying online or by phone?
Synchrony does not charge a fee for online or phone payments made directly through your account or to their customer service line. Some third-party payment services may charge a fee, so pay through Synchrony directly to avoid extra costs.
What happens if I pay after the due date but before the statement closes?
Synchrony will charge a late fee and report the late payment to credit bureaus. The due date is the deadline; payments received after that date are considered late, even if your next statement has not closed yet.