Where to send your Ross credit card payment
Ross Stores issues its credit card through Synchrony Bank, so payments go to Synchrony, not directly to Ross. You have three main ways to pay: online through your Synchrony account, by phone, or by mail. The online method is fastest and shows up in your account immediately. Phone payments take the same day if you call before the payment deadline. Mail payments take 7 to 10 business days to arrive and post to your account, so send them well before your due date to avoid a late fee.
To pay online, log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. You'll enter the amount you want to pay and choose your payment method — bank account or debit card. If you pay by phone, call the number on the back of your Ross credit card or contact Synchrony at 1-866-206-5266. Have your account number and routing information ready if you're paying from a bank account.
Key Takeaways
- Payments go to Synchrony Bank, the company that issues the Ross credit card, not to Ross Stores itself.
- Online and phone payments post the same day, while mail payments take 7 to 10 business days to clear.
- You can pay online through your Synchrony account, by phone using the number on your card, or by mailing a check to the address on your statement.
- Late fees apply if your payment arrives after the due date shown on your statement, regardless of when you sent it.
Understanding your payment due date and grace period
Your payment due date appears on your monthly statement and is typically 21 to 25 days after the statement closes. Synchrony considers a payment late if it arrives after 5 p.m. Eastern Time on that date. If you pay by mail, the postmark date does not matter — only the date the payment is received and posted to your account. This is why mailing a check close to the due date is risky; delays in postal delivery can push your payment past the deadline even if you sent it on time.
The grace period for purchases works differently from the payment deadline. If you pay your full statement balance by the due date, you get an interest-free grace period on new purchases — typically 25 days from the statement closing date. If you carry a balance or miss the due date, interest starts accruing on new purchases immediately, and you'll owe interest on the unpaid balance as well.
Minimum payment versus paying in full
Your statement shows both a minimum payment and your full balance. The minimum payment is usually 1 to 3 percent of your balance, but Synchrony will always require at least enough to cover interest and fees. Paying only the minimum keeps your account in good standing and avoids a late fee, but you'll owe interest on the remaining balance at your card's APR, which varies based on your creditworthiness.
Paying your full statement balance by the due date eliminates interest charges and is the most cost-effective approach if you can manage it. If you can't pay the full amount, paying more than the minimum reduces the total interest you'll owe over time. Use your Synchrony account to see how much interest you'll pay if you make only the minimum payment — this can help you decide whether to pay more.
Setting up automatic payments
Synchrony allows you to set up automatic payments from your bank account through your online account or the mobile app. You can choose to pay a fixed amount each month, your minimum payment, or your full statement balance. Automatic payments remove the risk of forgetting a due date and help you avoid late fees. You can change or cancel an automatic payment anytime through your account settings.
If you set up automatic payments, verify that the amount and date work with your budget and bank account balance. Automatic payments post on the date you choose, so pick a date after you typically receive income. If an automatic payment fails because of insufficient funds, Synchrony may charge a returned payment fee in addition to marking your account late.
What happens if you miss a payment
A payment is considered late if it doesn't post by 5 p.m. Eastern Time on your due date. Synchrony charges a late fee — the amount depends on your account history and state law, but typically ranges from $25 to $40 for the first late payment. If you're late again within six months, the fee may be higher. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment, contact Synchrony as soon as you realize it. Some customers can get a late fee waived if they call before the next billing cycle and have a clean payment history. Paying the late amount immediately stops additional fees from accruing. If you fall 30 days late, Synchrony may freeze your account and stop allowing new purchases until the balance is paid.
Payment methods and processing times
| Payment Method | How to Use | Processing Time |
|---|---|---|
| Online (Synchrony website or app) | Log in, select "Make a Payment," choose amount and bank account or debit card | Same day |
| Phone | Call 1-866-206-5266 or the number on your card; have account number ready | Same day if before payment deadline |
| Send check to address on statement; include account number on check | 7 to 10 business days | |
| Automatic payment | Set up through online account; choose amount and date each month | Same day on date you select |
Frequently Asked Questions
Can I pay my Ross credit card at a Ross store?
No. Ross stores do not accept credit card payments in person. You must pay through Synchrony Bank using one of the methods listed above — online, by phone, by mail, or through automatic payment.
What if I pay online but the payment doesn't show up immediately?
Online payments typically post within hours, but can take up to one business day depending on when you submit them. If you pay after 5 p.m. Eastern Time, it may not post until the next business day. Check your account the next morning; if it still hasn't posted, contact Synchrony at 1-866-206-5266.
Does paying by debit card cost extra?
No. Synchrony does not charge a fee for paying with a debit card online or by phone. Paying from your bank account also has no fee. Mail payments are free as well.
What if I want to pay more than my statement balance?
You can pay any amount up to your credit limit. Paying more than your statement balance creates a credit on your account that will reduce your next bill. You can also request a refund of any credit balance by calling Synchrony.
Can I change my payment due date?
Synchrony does not allow you to change your due date, but you can choose when to make your payment each month. If your due date doesn't align with your pay schedule, you can pay early — there's no penalty for paying before the due date.