How to Pay Your Carter's Bill Online or by Phone

How to pay your Carter's account

You can pay your Carter's bill through their website, by phone, or by mail. The fastest way is online at carters.com — you log in to your account, go to the payment section, and enter your payment method. If you prefer to call, Carter's customer service can process a payment over the phone. Payments made online or by phone typically post to your account within one to two business days.

Carter's is a children's clothing retailer that offers a store credit card (the Carter's credit card) as well as a layaway option. Both have their own payment methods and due dates. Make sure you know which account you're paying — the credit card and layaway are separate, and paying one does not reduce the balance on the other.

Key Takeaways

• Online payment through carters.com is the fastest method and lets you see your balance and payment history in one place.
• Phone payments can be made by calling Carter's customer service, and the representative will guide you through the process.
• Mail payments should be sent to the address printed on your bill, and you should allow at least 10 business days for the payment to reach and post.
• Your payment due date appears on your monthly statement, and late payments may result in interest charges or account suspension.
• If you have a layaway account, that balance is separate from any credit card balance and requires its own payment.

Paying online at carters.com

Go to carters.com and select "Account" or "Sign In" at the top of the page. Enter your email address and password. Once logged in, look for a "Payments" or "Billing" section — the exact label varies, but it's usually in the account menu or under "My Account."

Select the account you want to pay (credit card or layaway), then choose "Make a Payment." Enter the amount you want to pay and select your payment method — debit card, credit card, or bank account. Review the details and confirm. You'll receive a confirmation number on screen and via email. The payment will post within one to two business days, though it may show as pending for a day or two first.

Paying by phone

Call Carter's customer service at the number on your bill or statement. A representative will ask for your account number and the last four digits of your Social Security number or the phone number associated with your account. Have your payment method ready — debit card, credit card, or bank account information.

Tell the representative the amount you want to pay. They will process the payment and give you a confirmation number. Write this down. Phone payments post within one to two business days, the same as online payments. If you're calling from outside the United States, check your statement for the international phone number.

Paying by mail

Write a check or money order payable to Carter's. Include your account number on the check. Mail it to the address shown on your bill — this address is specifically for payments and is different from the store's mailing address.

Mail payments take longer to process because they must travel to Carter's payment center, be opened, and be manually entered into the system. Allow at least 10 business days from the time you mail the check for it to post to your account. If your payment due date is coming up soon, mail is not the best option — use online or phone payment instead.

Understanding your payment due date and late fees

Your payment due date is listed on your monthly statement. If you have a credit card account, payments received after the due date may result in a late fee and interest charges on your balance. The amount of the late fee and the interest rate are shown in your account terms or on your statement.

If you miss a payment, Carter's may suspend your account, preventing you from making new purchases. Contact customer service as soon as possible if you cannot pay by the due date — they may be able to work out a payment plan or extend your due date in some cases.

Paying a layaway balance

If you have a Carter's layaway account, the balance is separate from any credit card account. Layaway payments are typically made in the store or by phone, not online. Call the store where you set up the layaway or contact Carter's customer service to make a payment.

Layaway accounts have their own payment schedule and due dates. Missing a layaway payment may result in the merchandise being returned to stock and your deposit being forfeited, depending on Carter's layaway policy at the time you opened the account. Check your layaway agreement for the specific terms.

What to do if you can't find your account online

If you can't log in to your Carter's account, try resetting your password. On the carters.com sign-in page, select "Forgot Password" and follow the prompts. You'll receive an email with a link to create a new password.

If you still can't access your account, or if you don't have an online account set up, call Carter's customer service. They can help you create an account or process a payment over the phone without requiring you to log in online. Have your account number and the phone number or email associated with your account ready.

Frequently Asked Questions

How long does it take for an online payment to show up?

Online payments typically post within one to two business days. You may see the payment show as "pending" for the first day, then it will move to "posted" once it's fully processed. Payments made on weekends or holidays may take slightly longer.

Can I set up automatic payments for my Carter's bill?

Carter's does not currently offer automatic recurring payments through their website. You can set a reminder to pay each month, or contact customer service to ask about payment plan options if you're having trouble keeping up with your due date.

What if I pay more than I owe?

If you overpay your account, the extra amount will be credited to your next bill or can be refunded to you. Contact customer service to request a refund if you prefer not to carry a credit balance on your account.

Can I pay my Carter's bill with a gift card?

No, gift cards cannot be used to pay your bill balance. Gift cards can only be used to make purchases in the store or online. You must pay your bill with a debit card, credit card, bank account, check, or money order.

Is there a fee for paying by phone?

Carter's does not charge a fee for phone payments. Paying by phone is free, just like paying online or by mail. The only charges you may see are late fees if your payment arrives after the due date.