Where to send your Carters credit card payment
Carters credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of Carters. You can pay online through your Synchrony account, by phone, by mail, or in person at a Carters store. The fastest and most direct route is the Synchrony website or mobile app, where you can see your balance and make a payment in minutes without calling anyone.
If you prefer to pay by phone, call the number on the back of your card — it connects you to Synchrony's customer service line. Mail payments should be sent to the address printed on your monthly statement; Synchrony includes a payment coupon with each bill that shows exactly where to send it. In-store payments at Carters locations are also accepted, though this method takes longer to post to your account than online or phone payments.
Key Takeaways
- Synchrony Bank manages the Carters credit card, so all payments go to Synchrony, not directly to Carters.
- Online payment through Synchrony's website or app is the fastest method and lets you see your balance and payment history immediately.
- Phone payments can be made by calling the customer service number on your card, and the payment posts within one to two business days.
- Mailed payments should include the coupon from your statement and allow five to seven business days to reach Synchrony and post to your account.
- Your payment due date appears on your monthly statement, and paying by that date avoids late fees and protects your credit score.
Setting up online payments through Synchrony
To pay online, visit Synchrony.com or download the Synchrony mobile app and log in with your username and password. If you do not have an online account yet, you can create one using your card number and the last four digits of your Social Security number. Once logged in, select "Make a Payment" and choose the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Synchrony offers two payment speed options: standard payments, which post within one to two business days, and rush payments, which post the same day if submitted before 8 p.m. Eastern Time. Standard payments are free; rush payments may carry a small fee. You can also set up automatic payments to deduct money from your bank account on a date you choose each month, which removes the need to remember your due date.
Phone and mail payment options
To pay by phone, call the customer service number printed on the back of your Carters credit card. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Phone payments typically post within one to two business days and are free to make.
For mail payments, write a check or money order payable to Synchrony Bank and include the payment coupon from your statement. The coupon shows the account number and mailing address; sending it with your payment ensures the money reaches the correct account. Mail payments take five to seven business days to arrive and post, so send them at least a week before your due date to avoid a late payment. Never send cash through the mail.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony charges a late fee — typically $25 to $35 depending on your account terms. More importantly, a late payment stays on your credit report for seven years and can lower your credit score by 100 points or more. Even a single missed payment can raise your interest rate on this card and affect your ability to borrow money elsewhere.
If you know you will miss a due date, contact Synchrony before the date arrives. Representatives can sometimes work out a payment plan or extend your due date by a few days. Calling after you miss the payment is still worth doing, because some late fees can be waived if you have a good payment history and explain the circumstances.
Understanding your statement and due date
Your Carters credit card statement arrives monthly and shows your opening balance, all purchases and payments from the past month, interest charges, fees, and your new balance. The statement also lists your minimum payment (usually 1 to 3 percent of your balance) and your due date. Paying at least the minimum by the due date keeps your account in good standing, but paying only the minimum means you pay interest on the remaining balance.
The interest rate on Carters cards varies by creditworthiness and current promotions, but typically ranges from 18 to 29 percent annually. If you carry a balance, interest accrues daily on the unpaid amount. Paying the full balance each month avoids interest charges entirely. If you cannot pay the full balance, paying more than the minimum reduces the interest you owe and gets you out of debt faster.
Automatic payments and payment reminders
Setting up automatic payments through Synchrony removes the risk of forgetting your due date. You choose the payment amount — full balance, minimum payment, or a fixed amount — and the day of the month it should be deducted from your bank account. Automatic payments are free and post reliably on the date you select, as long as your bank account has sufficient funds.
If you prefer not to automate payments, Synchrony can send you email or text reminders a few days before your due date. You can set these up in your online account under notification preferences. Reminders give you time to make a payment without the commitment of automatic deduction, which is useful if your income or cash flow varies month to month.
Frequently Asked Questions
Can I pay my Carters card at a Carters store?
Yes, Carters locations accept in-store payments, but this method is slower than online or phone payment. The store collects your payment and forwards it to Synchrony, which can take several extra days to post to your account. For faster processing, pay online or by phone instead.
What if I pay online but my payment does not show up right away?
Standard online payments take one to two business days to post. If you chose a rush payment, it should appear the same day. If more than two business days have passed and the payment still does not show, contact Synchrony customer service with your confirmation number to verify the payment was received.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum and your full balance. Paying only the minimum keeps your account current, but you will owe interest on the remaining balance. Paying more than the minimum reduces interest charges and gets you out of debt faster.
What is the difference between a statement due date and a payment posting date?
Your due date is the deadline to pay without a late fee. The posting date is when Synchrony receives and records your payment. If you mail a payment, allow five to seven days for it to arrive and post, so send it well before the due date.
Can I change my due date?
Yes, you can request a due date change by contacting Synchrony customer service. They may allow you to move your due date to align with when you receive income or prefer to pay bills. Changes typically take effect on your next billing cycle.