Scheels Card payment basics

Scheels Card is a store credit card issued by Synchrony Bank. You can pay your bill online through your Synchrony account, by phone, by mail, or in person at a Scheels store. The payment method you choose depends on how quickly you need the payment posted and whether you prefer digital or paper-based transactions.

Your payment is due by the date shown on your monthly statement. Paying at least the minimum amount by that date keeps your account in good standing. Paying the full balance each month avoids interest charges on purchases.

Key Takeaways

  • Online payment through your Synchrony account is the fastest method and typically posts within one business day.
  • Phone payments can be made by calling the number on the back of your card, and you will need your account number and payment amount ready.
  • Mail payments should be sent to the address on your statement at least 10 days before your due date to arrive on time.
  • In-store payments at Scheels locations are processed immediately but may not show in your online account for one to two business days.

Paying online through Synchrony

Log into your Synchrony account at mysynchrony.com using your username and password. If you do not have an online account, you can create one by visiting the Synchrony website and selecting "Enroll" or "Register." You will need your card number and Social Security number to set up an account.

Once logged in, select "Make a Payment" or "Pay My Bill." Enter the amount you want to pay and choose your payment date. You can pay immediately or schedule a payment for a future date. Synchrony accepts payments from a bank account (checking or savings) or another debit card. Online payments typically post within one business day.

Keep your login information secure and do not share it with anyone. If you forget your password, use the "Forgot Password" link on the Synchrony login page to reset it.

Paying by phone

Call the customer service number on the back of your Scheels Card. Have your account number, the amount you want to pay, and your bank account or debit card information ready. A representative will walk you through the payment process and confirm the payment amount and date.

Phone payments are available 24 hours a day, seven days a week. The payment typically posts within one business day. If you call close to your due date, confirm with the representative that your payment will arrive by the deadline.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail your payment to the address shown on your monthly statement under "Payment Address" or "Send Payment To." Do not send cash through the mail.

Mail payments take seven to ten business days to arrive and process. Send your payment at least 10 days before your due date to ensure it arrives on time. Keep a record of the check number and mailing date in case you need to track the payment later.

Paying in person at Scheels

Visit any Scheels store location and ask a cashier or customer service representative about making a payment on your Scheels Card. Bring your card or account number and the amount you want to pay. You can pay with cash, check, or debit card at most locations.

In-store payments are processed immediately at the register, but the payment may not show in your online Synchrony account for one to two business days. Ask for a receipt as proof of payment. If you are paying close to your due date, confirm with the store representative that the payment will post in time.

Late payments and what happens next

If your payment does not arrive by the due date shown on your statement, your account is considered late. A late payment can result in a late fee (typically $25 to $40, depending on your account terms) and a higher interest rate on your balance. Late payments also appear on your credit report and can lower your credit score.

If you miss a payment, contact Synchrony as soon as possible. Explain your situation and ask whether the late fee can be waived. Some cardholders are able to negotiate with Synchrony, especially if it is your first late payment. The sooner you bring your account current, the less damage to your credit.

Automatic payments and payment reminders

Set up automatic payments through your Synchrony account to pay a fixed amount on the same date each month. Log into mysynchrony.com, select "Manage Auto Pay," and choose whether to pay the minimum amount, the full statement balance, or a custom amount. Automatic payments reduce the risk of missing a due date.

You can also set up payment reminders through your Synchrony account or through your bank's bill pay system. Reminders send you an email or text message a few days before your payment is due, giving you time to make a payment if you have not already done so.

Frequently Asked Questions

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

Online and phone payments typically post within one business day. Mail payments take seven to ten business days. In-store payments process immediately at the register but may take one to two business days to appear in your online account.

Can I pay my Scheels Card with a credit card?

No. Synchrony only accepts payments from a bank account (checking or savings) or a debit card. Paying with another credit card is not an option through Synchrony's payment system.

What if I pay more than my minimum payment?

Any amount you pay above the minimum goes toward your balance. Paying more than the minimum reduces the interest you owe and helps you pay off your card faster. There is no penalty for overpaying.

Can I change my payment 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 by a few days, though the change typically takes effect on your next billing cycle.

What should I do if I think a payment was lost in the mail?

Check your Synchrony account online to see if the payment posted. If it did not post after 10 business days, contact Synchrony with the check number and mailing date. You may need to stop payment on the original check and submit a new payment to avoid a late fee.