How to pay your Synchrony credit card
You can pay your Synchrony credit card online through your account, by phone, by mail, or in person at a retail location if your card is tied to a store account. The fastest method is online through Synchrony's website or mobile app, where payments post the same day if submitted before the cutoff time (usually early afternoon). Phone payments take the same day if you call before the cutoff, while mailed checks typically take 7 to 10 business days to post. Store-branded cards may also allow in-store payments at customer service desks.
Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. Paying by the due date keeps you current and avoids late fees. If you miss the due date, Synchrony charges a late fee (the amount varies by your card terms) and may report the missed payment to credit bureaus after 30 days past due.
Key Takeaways
- Online payments through Synchrony's website or app post the same day if submitted before the afternoon cutoff, making it the fastest payment method.
- Phone payments also post same-day if you call before the cutoff time, and the number is on your statement or card.
- Mailed checks take 7 to 10 business days to reach Synchrony and post to your account, so mail payments early if your due date is near.
- Your due date is listed on your monthly statement, and paying by that date avoids late fees and credit reporting damage.
- Store-branded Synchrony cards may offer in-store payment options at customer service, though online or phone payment is usually faster.
Paying online through your Synchrony account
Log into your account at Synchrony.com or through the Synchrony mobile app. Click "Make a Payment" or the payment option in your account menu. Enter the amount you want to pay (you can pay the full balance, the minimum payment, or any amount in between). Select your payment method — bank account (ACH transfer) or debit card — and confirm the payment date. Synchrony will show you when the payment will post; same-day posting occurs if you submit before the cutoff time, usually around 1 or 2 p.m. Eastern time on business days.
Online payments from a bank account are free and typically the most reliable method. Debit card payments may carry a fee depending on your card's terms. If you set up automatic payments, Synchrony can deduct your chosen amount (minimum payment, full balance, or a fixed dollar amount) on your due date each month, which removes the risk of forgetting to pay.
Paying by phone
Call the customer service number on the back of your card or on your statement. Have your account number and the payment amount ready. A representative will ask which bank account or debit card you want to use for the payment and confirm the payment date. Phone payments post the same day if you call before the cutoff time, usually early afternoon on business days. After hours or on weekends, you may be able to use an automated system to make a payment, though it may not post until the next business day.
Phone payments are free when you pay from a bank account. Debit card payments over the phone may incur a fee. Keep a record of the confirmation number the representative provides, in case you need to verify the payment later.
Mailing a check or money order
Write a check or money order payable to Synchrony. Include your account number on the check memo line so Synchrony can match the payment to your account. Mail it to the address listed on your statement under "Payment Address" — this address is different from your billing address and is designed for payments only. Do not mail payments to your billing address, as they will be delayed or misrouted.
Mailed payments typically take 7 to 10 business days to arrive and post to your account. If your due date is within two weeks, mailing a check is risky because it may not arrive in time. Mail payments at least 10 business days before your due date to be safe. Synchrony will not consider a payment on time based on the postmark date; only the date it is received and posted to your account matters.
In-store payments for retail credit cards
If your Synchrony card is branded for a specific retailer (such as a store credit card), you may be able to make a payment at that store's customer service desk. Bring your card and the payment amount in cash, check, or debit card. The store will process the payment and provide a receipt. However, in-store payments can take several business days to post to your Synchrony account, so they are not faster than online or phone payments.
Not all retailers offer in-store payment for Synchrony cards, and policies vary by location. Call the store or check your statement to confirm whether this option is available. For the fastest posting, online or phone payment remains the better choice.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony will charge a late fee (the amount depends on your card's terms and is shown in your card agreement). Your interest rate may also increase if your card has a penalty APR clause. After 30 days past due, Synchrony reports the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion — which can lower your credit score and affect your ability to borrow money in the future.
If you realize you will miss a payment, contact Synchrony before the due date. Some cardholders can negotiate a one-time late fee waiver or a short extension, though this is not may provide. After a payment is reported late, it stays on your credit report for seven years, even if you pay it later. Paying on time is always the best option.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Synchrony account online or through the app, find the automatic payment or autopay section, and choose how much you want to pay automatically: your full balance, your minimum payment, or a fixed dollar amount. Select the payment date (usually your due date) and your funding source (bank account or debit card). Synchrony will deduct the payment automatically each month on that date.
You can change or cancel automatic payments anytime through your account. If your balance changes significantly or you want to make a one-time extra payment, you can still make manual payments in addition to your automatic payment. Automatic payments from a bank account are free; debit card autopay may have a fee depending on your card terms.
Frequently Asked Questions
What time do online payments post to my Synchrony account?
Online payments post the same day if submitted before the cutoff time, usually around 1 or 2 p.m. Eastern time on business days. Payments submitted after the cutoff or on weekends post the next business day. Your Synchrony account will show the expected posting date when you submit the payment.
Can I pay my Synchrony card with a credit card?
No, Synchrony does not accept credit card payments. You can pay only with a bank account (ACH transfer), debit card, check, money order, or cash (in-store for retail cards). Paying with a debit card may carry a fee depending on your card terms.
Is there a fee to pay my Synchrony card online?
No fee applies when you pay from a bank account online. Debit card payments may carry a fee; check your card agreement or account settings to see if a fee applies. Phone and mail payments are also free when paid from a bank account.
How do I know if my payment was received?
Log into your Synchrony account online or through the app and check your payment history. Your account will show the payment amount, date submitted, and posting date. You can also call customer service at the number on your statement to confirm a payment was received.
What if I pay after my due date but before 30 days past due?
You will be charged a late fee, but Synchrony will not report the payment as late to credit bureaus until it reaches 30 days past due. Paying within 30 days stops the credit reporting damage, though the late fee still applies. Always try to pay by your due date to avoid fees and credit impact.