Where to log in to pay your Penney's credit card
Penney's credit card payments are managed through Synchrony Bank, which handles the account on behalf of J.C. Penney. To pay online, you log in at synchronybank.com or through the Synchrony mobile app, not through the J.C. Penney website itself. You can also pay by phone at the number on the back of your card.
When you first set up online access, you'll need your card number and the last four digits of your Social Security number. Synchrony will send you a temporary password to the email address on file, which you'll change on your first login. After that, you can log in with your username and password each time you want to make a payment or check your balance.
Key Takeaways
- Penney's credit card payments go through Synchrony Bank at synchronybank.com, not through J.C. Penney's website.
- You can pay online, through the Synchrony mobile app, or by calling the number on the back of your card.
- Your first login requires your card number and the last four digits of your Social Security number to verify your identity.
- Payments made online typically post within one business day, though the exact timing depends on when you submit them.
Setting up your Synchrony online account
If you've never logged in before, go to synchronybank.com and select the option to register or create an account. You'll be asked for your card number, the last four digits of your Social Security number, and your date of birth. Synchrony will verify this information against what's on file with your account.
Once verified, Synchrony sends a temporary password to your email address. Check your email (including spam folders) and use that password to log in. On your first login, you'll be required to create a permanent password of your own. Write it down or use a password manager so you don't lose it — you'll need it every time you log in to pay.
Making a payment online
After you log in to your Synchrony account, select "Make a Payment" or "Pay Now" from the main menu. You'll see your current balance and the minimum payment due. You can pay any amount from the minimum up to your full balance, or set up a one-time payment for a future date.
Synchrony offers two payment methods: from a checking or savings account (which is free and usually posts within one business day), or by debit card (which may carry a fee). If you choose to pay from a bank account, you'll need to provide your routing number and account number. Double-check these numbers before submitting — an error can delay your payment or send it to the wrong account.
After you submit your payment, Synchrony shows you a confirmation number. Save or screenshot this number in case you need to reference the payment later. The payment typically posts to your account within one business day, though weekend or holiday submissions may take longer.
Paying by phone or mail
If you prefer not to pay online, the phone number for Penney's credit card payments is on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Phone payments usually post the same day if you call before the cutoff time, which varies by time zone.
You can also mail a check to the address shown on your monthly statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your bill. Mail payments take longer to post — typically 7 to 10 business days from the time Synchrony receives them — so don't rely on this method if your payment is due soon.
What to do if you forget your password
On the Synchrony login page, select "Forgot Password" and enter your username or the email address associated with your account. Synchrony will send a password reset link to that email address. Click the link and follow the prompts to create a new password.
If you don't receive the email within a few minutes, check your spam or junk folder — password reset emails sometimes end up there. If you still can't find it, call the number on the back of your card and a representative can help you reset your password over the phone.
Automatic payments and payment scheduling
Synchrony allows you to set up automatic payments so you don't have to log in each month. During the payment process, you can choose to pay the same amount on the same date every month, or you can set it to automatically pay your full statement balance when it's due. Automatic payments reduce the risk of missing a due date and incurring a late fee.
You can also schedule a one-time payment for a future date if you know when money will be available. This is useful if you're paid on a specific day of the month and want to time your payment to match your paycheck. You can schedule payments up to several weeks in advance, and you'll receive a reminder before the payment processes.
Troubleshooting common login and payment issues
If you see an error message when you try to log in, first check that you're using the correct username and password. Passwords are case-sensitive, so make sure Caps Lock is off. If you're still locked out after a few attempts, Synchrony may temporarily freeze your account for security reasons. Wait 15 minutes and try again, or call the number on your card for immediate help.
If a payment you submitted doesn't show up in your account after two business days, log back in and check the payment history section to see if it processed. If it shows as "pending," it will post soon. If it doesn't appear in the history at all, call Synchrony to confirm whether the payment was received. Keep your confirmation number handy when you call — it helps the representative locate your transaction quickly.
Frequently Asked Questions
Can I pay my Penney's credit card through the J.C. Penney website or app?
No. Penney's credit card payments are handled by Synchrony Bank, so you must log in at synchronybank.com or use the Synchrony mobile app. The J.C. Penney website and app do not process credit card payments.
Is there a fee to pay my Penney's credit card online?
There is no fee if you pay from a checking or savings account. Paying by debit card may carry a fee, which Synchrony will disclose before you complete the payment. Phone and mail payments are also free.
How long does it take for an online payment to show up on my account?
Payments made from a bank account typically post within one business day. Payments submitted on weekends or holidays may take longer. Debit card payments may post the same day, depending on the time you submit them.
What should I do if I made a payment by mistake or paid the wrong amount?
Contact Synchrony as soon as possible at the number on your card. If the payment hasn't posted yet, they may be able to cancel it. If it has already posted, they can discuss options like crediting the overpayment to your next bill or issuing a refund.
Can I change or cancel an automatic payment I set up?
Yes. Log in to your Synchrony account, go to the automatic payments section, and select the payment you want to modify or cancel. Changes take effect on your next scheduled payment date. If you need to cancel a payment that's scheduled for the next few days, call Synchrony to make sure the change goes through in time.