Where and how to pay your Jared credit card
Jared credit cards are issued by Synchrony Bank. You can pay your bill online through the Synchrony website, by phone, by mail, or in person at a Jared store. The method you choose depends on how quickly you need the payment to post and whether you prefer to handle it digitally or in another way.
Online payment through Synchrony's website is the fastest option for most people. You log in with your account credentials, enter the amount you want to pay, and choose your payment date. The payment typically posts within one business day. Phone payments go through Synchrony's customer service line at the number on the back of your card — you'll need your account number and a bank account or debit card to complete the transaction by phone.
Mail payments should be sent to the address listed on your monthly statement. Allow at least 7 to 10 business days for a mailed check to reach Synchrony and post to your account. In-store payments at Jared locations are also an option, though not all stores accept them — call ahead to confirm your location does.
Key Takeaways
- Synchrony Bank issues Jared credit cards, and you pay them through Synchrony's website, phone line, or by mail to the address on your statement.
- Online payments typically post within one business day, while mailed payments take 7 to 10 business days to clear.
- You can set up automatic payments through your Synchrony account to pay a fixed amount on a date you choose each month.
- Late payments are reported to credit bureaus and trigger late fees, so paying by your due date matters even if you can only pay the minimum.
Setting up automatic payments
Synchrony allows you to set up automatic payments so your bill is paid on a schedule without you having to remember each month. Log into your Synchrony account online, go to the payments section, and select "Set up automatic payment." You choose the amount (minimum payment, statement balance, or a fixed dollar amount you set), the date each month when the payment should be taken, and the bank account it should come from.
Automatic payments reduce the risk of missing a due date, which protects your credit score and avoids late fees. You can change or cancel an automatic payment anytime through your account. If you set the payment for a date after your due date, it will still be late — make sure your chosen date is before the due date shown on your statement.
Understanding your due date and payment important date
Your due date appears on your monthly statement and is typically 21 to 25 days after your statement closing date. Payments received by 5 p.m. Eastern Time on your due date are considered on time. If your due date falls on a weekend or holiday, Synchrony moves it to the next business day.
A payment made after 5 p.m. Eastern Time on your due date, or after the due date itself, is reported as late. Late payments trigger a late fee (the amount depends on your card terms) and are reported to the three major credit bureaus — Equifax, Experian, and TransUnion. A single late payment can lower your credit score by 100 points or more, depending on your current score and credit history.
Minimum payment versus statement balance
Your statement shows both a minimum payment and your full statement balance. The minimum payment is the smallest amount Synchrony requires you to pay to keep your account in good standing. Paying only the minimum leaves the rest of your balance to carry forward to the next month, and you'll owe interest on that remaining balance.
Interest on Jared credit cards accrues daily on any balance you carry. The interest rate (called the APR, or annual percentage rate) varies based on your creditworthiness and current market conditions — it's shown in your card agreement and on your statement. Paying your full statement balance by the due date means you owe no interest. Paying more than the minimum but less than the full balance reduces the interest you'll owe but doesn't eliminate it.
What happens if you miss a payment
If your payment doesn't arrive by your due date, Synchrony sends you a notice (usually by mail or email, depending on your account settings) that your account is past due. You'll be charged a late fee. Your interest rate may also increase — many card agreements include a penalty APR that kicks in after a late payment, raising your rate significantly.
After 30 days past due, the late payment is reported to credit bureaus. After 60 days, it appears on your credit report as a serious delinquency. If your account reaches 180 days past due, Synchrony may charge off the account, meaning they write it off as a loss and may sell the debt to a collection agency. At that point, a collection agency can contact you to recover the debt, and the charge-off stays on your credit report for seven years.
If you know you'll miss a payment, contact Synchrony before the due date. They may be able to work out a payment plan or temporarily adjust your due date, though this varies by account and situation.
Payment processing times and posting
How quickly your payment posts depends on the method you use. Online payments through Synchrony's website typically post within one business day. Phone payments also usually post within one business day. Payments made in person at a Jared store may take longer — ask the store associate how long it will take.
Mailed checks take the longest. Synchrony recommends mailing your payment at least 10 business days before your due date to may support it arrives and posts on time. The U.S. Postal Service typically takes 3 to 5 business days to deliver mail, and Synchrony needs additional time to process and post the payment once it arrives.
If you're cutting it close to your due date, use online or phone payment rather than mail. If you use a payment service through your bank (sometimes called "bill pay"), the timing depends on your bank — ask them how long it takes for payments to Synchrony to post.
Disputing a payment or reporting an error
If you believe a payment was posted incorrectly, didn't post at all, or was charged twice, contact Synchrony within 60 days of the error. You can call the number on the back of your card or log into your online account to report the issue. Synchrony will investigate and correct the error if they find one.
Keep records of all payments you make — screenshots of online confirmations, copies of mailed checks, or receipts from in-store payments. If a payment doesn't post within the expected timeframe, follow up with Synchrony using your records as proof.
Frequently Asked Questions
Can I pay my Jared credit card with a different bank account than the one I used to open the card?
Yes. When you make a payment online or by phone, you can enter any bank account or debit card information. Synchrony doesn't require you to use the same account you used to open the card. Just make sure the account is in your name and has sufficient funds.
What if I pay more than my statement balance?
Any amount you pay above your statement balance becomes a credit on your account. That credit is applied to your next month's charges. If you overpay significantly, you can request a refund from Synchrony, though some accounts may have restrictions on refunds.
Do I have to pay the full balance to avoid interest?
Yes. Interest is charged on any balance that carries over from one month to the next. Paying your full statement balance by the due date is the only way to avoid interest charges. If you pay less than the full balance, interest accrues on the remaining amount.
How do I know if my payment was received?
Online and phone payments show a confirmation number when ready after you complete the transaction. For mailed payments, you can log into your Synchrony account online and check your payment history to see when the payment posted. If a payment doesn't appear within the expected timeframe, contact Synchrony with your confirmation number or cancelled check.
Can I change my due date?
Synchrony may allow you to request a different due date through your online account or by calling customer service. The availability of this option depends on your account. If you're struggling to pay by your current due date, it's worth asking whether they can move it to a date that works better for your budget.