Where to send your Shop Your Way credit card payment
Shop Your Way is a closed-loop credit card issued by Synchrony Bank, which means you can use it only at Sears, Kmart, and Sears Home Services locations. To pay your bill, you send payment to Synchrony Bank, not to Sears directly. Synchrony handles all billing and payment processing for the card.
You have three main payment methods: online through your Synchrony account, by phone, or by mail. Each route has different timing and confirmation steps, so the method you choose depends on when your payment is due and how you prefer to track it.
Key Takeaways
- Shop Your Way payments go to Synchrony Bank, the card issuer, not to Sears or any Sears location.
- You can pay online at mysynchrony.com, by phone at the number on your statement, or by mailing a check to the address printed on your bill.
- Online and phone payments typically post within one business day, while mailed payments take five to seven business days depending on mail delivery and processing time.
- Your due date is printed on your monthly statement, and late fees apply if payment arrives after that date, regardless of when you sent it.
- Setting up automatic payments through your bank account prevents missed due dates and removes the need to remember to pay each month.
Paying online through your Synchrony account
The fastest and most common way to pay is through the Synchrony website at mysynchrony.com. Log in with your username and password, navigate to the payment section, and enter the amount you want to pay. You can pay from a checking or savings account, and the payment posts within one business day in most cases.
Online payments also give you an immediate confirmation number, which serves as proof that Synchrony received your payment. Keep this number in case you need to dispute a late fee or verify that a payment went through. If you do not have an online account yet, you can create one at the same website using your card number and other identifying information from your statement.
Paying by phone
You can call Synchrony's customer service line to make a payment over the phone. The phone number appears on your monthly statement and on the back of your Shop Your Way card. A representative will ask for your card number, the payment amount, and the bank account you want to draw from.
Phone payments also post within one business day and you receive a confirmation number at the end of the call. This method works if you do not have internet access or prefer speaking to a person, but it requires you to share your bank account information verbally, which some people avoid for security reasons.
Paying by mail
If you prefer to pay by check or money order, you can mail your payment to the address printed on your monthly statement. Write your account number on the check or money order so Synchrony can match it to your account. Mail payments take longer to post—typically five to seven business days—because the payment must travel through the postal system and then be processed by Synchrony's mail center.
The risk with mailed payments is that they are considered late if they arrive after your due date, even if you mailed them before that date. For this reason, mail payments work best if you send them at least a week before your due date. Keep a copy of the check or a photo of the money order for your records.
Setting up automatic payments
Synchrony allows you to set up automatic monthly payments from your bank account. You choose the payment amount—minimum payment, a fixed amount, or your full statement balance—and the date each month when the payment should be taken from your account. Once set up, the payment happens without you having to remember or take action each month.
Automatic payments eliminate the risk of late fees from forgotten due dates and give you predictable cash flow from your checking account. You can change or cancel automatic payments at any time through your online account or by calling Synchrony. If your balance varies month to month, you can set the automatic payment to cover your full statement balance, which ensures you pay off the card completely each cycle.
What happens if your payment is late
Late fees apply if your payment is not received by Synchrony by your due date. The fee amount depends on your account terms but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee, and repeated late payments can trigger a penalty interest rate on your balance.
If you miss a payment, contact Synchrony as soon as possible. Some accounts have a grace period of a few days after the due date, and Synchrony may waive a single late fee if you have a good payment history. The sooner you pay after missing a due date, the less damage occurs to your account standing.
Paying more than the minimum
Your statement shows a minimum payment amount, but you can pay any amount above that at any time. Paying more than the minimum reduces your balance faster and saves you money on interest charges. If you have a high balance, paying extra each month shortens the time it takes to pay off the card and lowers the total interest you pay.
There is no penalty for paying early or paying more than required. You can make multiple payments in a single month if you want to, and each payment posts within one business day. Some people make a payment as soon as they receive their statement, then another payment before the due date, to spread out the cash flow impact.
Frequently Asked Questions
Can I pay my Shop Your Way card at a Sears store?
No. Sears stores do not accept Shop Your Way credit card payments. You must pay through Synchrony Bank using one of the three methods: online, by phone, or by mail. Paying at a store location will not credit your account.
What if I pay online but my payment does not show up on my account?
Online payments typically post within one business day. If more than one business day has passed and the payment does not appear, log into your account and check the payment status, or call Synchrony customer service with your confirmation number. Synchrony can trace the payment and confirm whether it was received.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments. Mailed payments are also free, though the postal service may charge you if you use a service like certified mail.
Can I pay my Shop Your Way card with a credit card or debit card?
No. Synchrony only accepts payments from a bank account (checking or savings), by check or money order, or through their online portal linked to a bank account. You cannot pay with another credit card or debit card.
What should I do if I cannot pay my full balance by the due date?
Pay at least the minimum payment amount by the due date to avoid a late fee. You can pay the remaining balance later, though interest will continue to accrue on the unpaid portion. If you are having trouble making payments, contact Synchrony to discuss your options.