Children's Place credit card payments go to Synchrony Bank, not to Children's Place stores

The Children's Place credit card is issued by Synchrony Bank, which means you send payments to Synchrony, not to the retailer. This matters because mailing a payment to a store or trying to pay in person at checkout will not reach your account and will not count toward your bill.

Synchrony handles all account management, billing, and payment processing for the card. You can pay online, by phone, by mail, or through automatic transfers — but all routes go through Synchrony's systems.

Key Takeaways

  • Synchrony Bank, not Children's Place, receives and processes all credit card payments.
  • You can pay online at Synchrony's cardholder portal, by phone at the number on your statement, by mail to the address printed on your bill, or by setting up automatic payments.
  • Online and phone payments typically post within one business day; mailed checks take seven to ten business days.
  • Your payment due date appears on your monthly statement, and paying by that date avoids late fees and interest charges.

Paying online through Synchrony's website or app

Log in to your Synchrony account at mysynchrony.com using your username and password. If you do not have an online account yet, you can create one using your card number and other identifying information from your statement.

Once logged in, select "Make a Payment" and choose your payment method — debit card, bank account transfer, or digital wallet. Enter the amount you want to pay and confirm the transaction. Online payments typically post to your account within one business day.

Synchrony also offers a mobile app where you can make payments the same way. Search your phone's app store for "Synchrony" to download it.

Paying by phone or automatic transfer

Call the customer service number on the back of your Children's Place credit card or on your monthly statement. A representative will walk you through providing your payment information over the phone. Phone payments also typically post within one business day.

If you want to avoid making a payment each month, you can set up automatic payments through your Synchrony account online. You choose the amount (minimum payment, statement balance, or a fixed amount) and the date each month when the payment should be taken from your bank account. Automatic payments reduce the risk of missing a due date.

Paying by mail

Write a check or money order and mail it to the address printed on your monthly statement. Do not send payment to a Children's Place store location — it will not reach your account.

Include your account number or the payment stub from your statement so Synchrony can match the payment to your account. Mailed payments typically take seven to ten business days to post, so mail your payment well before your due date to avoid late fees.

Understanding your due date and avoiding late charges

Your payment due date appears on your monthly statement. Paying by that date keeps your account in good standing and avoids late fees. If you miss the due date, Synchrony will charge a late fee (the amount varies) and may report the late payment to credit bureaus, which can lower your credit score.

If you are unable to pay the full balance, you can make a partial payment — any payment received by the due date counts as on-time. However, any unpaid balance will accrue interest at your card's annual percentage rate (APR), which is printed on your statement.

What to do if you cannot find your account or statement

If you have lost your statement or do not remember your account number, call Synchrony's customer service line at the number on the back of your card. A representative can look up your account using your name, address, and card number, and can tell you your current balance and due date.

If you have never set up an online account and want to start paying that way, visit mysynchrony.com and select "Enroll" or "Create Account." You will need your card number and some personal information to get your free guide.

Frequently Asked Questions

Can I pay my Children's Place credit card at a store?

No. Children's Place store locations do not process credit card payments. You must pay through Synchrony Bank using their website, phone line, mail, or automatic payment option.

How long does it take for a payment to show up on my account?

Online and phone payments typically post within one business day. Mailed checks take seven to ten business days. Set automatic payments to post on a date you choose each month.

What happens if I miss my due date?

Synchrony will charge a late fee and may report the missed payment to credit bureaus, which can lower your credit score. Interest will accrue on any unpaid balance at your card's APR. Pay as soon as you can to limit the damage.

Can I change my due date?

Contact Synchrony customer service by phone or through your online account to request a due date change. Synchrony may allow you to move your due date to a different day of the month to match your pay schedule.

What if I want to pay more than the minimum?

You can pay any amount up to your full statement balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can do this online, by phone, by mail, or through automatic payments.