What Mysynchrony is and who uses it
Mysynchrony is the online portal and mobile app where cardholders manage accounts issued by Synchrony Financial. Synchrony issues credit cards for retailers like Amazon, Best Buy, Lowe's, Target, and many others — each card carries the retailer's name but runs through Synchrony's backend. If you have a store credit card, there is a good chance your account lives on Mysynchrony.
You use Mysynchrony to view your balance, check your statement, set up automatic payments, and pay your bill online. The portal also shows your credit limit, available credit, recent transactions, and promotional financing offers tied to your card.
Mysynchrony is separate from your retailer's main website. Even if you shop at Best Buy online, for example, you log into Mysynchrony — not Best Buy — to pay your Best Buy credit card bill.
Key Takeaways
- Mysynchrony is Synchrony Financial's payment portal for store credit cards issued by retailers like Amazon, Target, and Lowe's.
- You can log in at mysynchrony.com or through the Mysynchrony mobile app using your card number and password.
- Payment options include one-time payments, automatic recurring payments, and paying by phone or mail if you prefer not to use the website.
- Payments typically post within one to three business days, though the exact timing depends on when you submit and your bank's processing speed.
- If you forget your password or have trouble logging in, Mysynchrony offers account recovery through email or security questions tied to your account.
How to create a Mysynchrony account and log in
If you have a Synchrony store credit card but have never logged into Mysynchrony, you will need to register first. Go to mysynchrony.com and select "Register" or "Create Account." You will need your card number, Social Security number, and date of birth. Synchrony uses this information to verify your identity and pull up your account.
Once registered, you create a username and password. Write these down or save them in a password manager — you will use them every time you log in. After registration is complete, you can log in immediately using your new credentials.
If you already have an account, simply enter your username and password on the Mysynchrony homepage. You can also download the Mysynchrony mobile app from the Apple App Store or Google Play and log in there with the same username and password.
Making a one-time payment
After you log in, the dashboard shows your current balance and due date. To make a one-time payment, select "Make a Payment" or a similar button (the exact label varies slightly by card type). You will be asked how much you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Next, you choose your payment method. Most cardholders pay from a checking or savings account by providing their bank routing number and account number. Mysynchrony also accepts debit card payments, though some cards charge a small fee for this option. After you confirm the amount and payment method, Mysynchrony shows you a confirmation number.
The payment does not clear immediately. Most payments post within one to three business days. Weekends and bank holidays can add time. If you are close to your due date, make the payment at least three business days early to avoid a late fee.
Setting up automatic recurring payments
If you want Mysynchrony to withdraw a payment from your bank account automatically each month, you can set up autopay. Log in, find the autopay or automatic payment section, and choose how much you want to pay each month — the full statement balance, the minimum payment, or a fixed dollar amount you set.
You will provide your bank account information once, and Mysynchrony will deduct that amount on a date you choose, usually a few days before your due date. Autopay removes the risk of forgetting to pay and can help you avoid late fees.
You can change or cancel autopay at any time by logging back into Mysynchrony and adjusting your settings. If you cancel, you will need to make manual payments again going forward.
Troubleshooting login and payment problems
If you forget your password, select "Forgot Password" on the Mysynchrony login page. Synchrony will send a reset link to the email address on file or ask you security questions to verify your identity. Follow the prompts to create a new password.
If you cannot remember your username, you can usually recover it using your card number and other identifying information. If you are locked out of your account after multiple failed login attempts, wait a few hours before trying again, or contact Mysynchrony customer service by phone (the number is on the back of your card).
If a payment fails — for example, because your bank account has insufficient funds — Mysynchrony will notify you and ask you to try again or use a different payment method. A failed payment does not count as a late payment, but your bill will still be due on the original date.
Alternative payment methods if you do not use Mysynchrony
Not everyone wants to pay online. You can pay by phone by calling the customer service number on the back of your card. A representative will take your payment information and process the payment over the phone. This method works the same way as online payment — the money comes from your bank account or debit card and posts within a few business days.
You can also mail a check or money order to the address listed on your statement. Write your account number on the check and mail it to the payment address shown on your bill. Mailed payments take longer to arrive and process, so send them at least 10 business days before your due date to be safe.
Some retailers also let you pay in person at their stores, though this is less common. Check your statement or call customer service to see if this option is available for your card.
Understanding your Mysynchrony statement and account details
Once you log into Mysynchrony, you can view your full statement, which shows every transaction, your balance, your credit limit, your available credit, and your due date. The statement also displays any promotional financing offers — for example, "12 months no interest if you spend $500 or more" — that may apply to your card.
Your available credit is the amount you can still spend without exceeding your credit limit. If you have a $1,000 limit and a $400 balance, your available credit is $600. As you pay down your balance, your available credit increases.
Mysynchrony also shows your payment history — a record of every payment you have made and when it posted. This is useful if you need to confirm that a payment went through or if you are disputing a charge.
Frequently Asked Questions
How long does a Mysynchrony payment take to post?
Most payments post within one to three business days from the date you submit them. Payments submitted on weekends or holidays may take longer because banks do not process transactions on those days. If you are near your due date, submit your payment at least three business days early to avoid a late fee.
Can I pay my Mysynchrony bill without creating an online account?
Yes. You can pay by phone using the number on the back of your card, or you can mail a check to the payment address on your statement. Both methods work without logging into Mysynchrony, though they may take longer than online payment.
What should I do if my payment fails on Mysynchrony?
Mysynchrony will notify you if a payment fails, usually because your bank account does not have enough funds or your payment method information is incorrect. Try the payment again with a different payment method, or call customer service for help. A failed payment does not count as late, but your bill is still due on the original due date.
Is Mysynchrony safe for making payments?
Mysynchrony uses encryption and security measures to protect your account information and payment details. Treat your login credentials the way you would treat a password for your bank account — do not share them, and do not log in on a public computer. If you notice unauthorized activity on your account, contact Synchrony immediately.
Can I change my due date on Mysynchrony?
Some Synchrony cards let you change your due date through Mysynchrony, while others do not. Log in and look for a "Billing" or "Account Settings" section. If the option is not available, call customer service to ask whether your card allows a due date change.