Where to send your Maurices credit card payment
Maurices issues its credit card through Synchrony Bank, so payments go to Synchrony, not to Maurices stores. You have three main ways to pay: online through your Synchrony account, by phone, or by mail. The online method is fastest and shows in your account when ready. Phone and mail payments take longer to post, usually three to five business days.
To pay online, log into your Synchrony account at synchronybank.com or through the Maurices website if you have a login there. You'll enter the amount you want to pay and choose your payment date. If you don't have an online account yet, you can set one up using your card number and Social Security number.
To pay by phone, call the number on the back of your Maurices credit card. A representative will walk you through the payment over the phone. You'll need your card number and bank account information ready. Payments made by phone are processed the same day if you call before the cutoff time, which is usually 8 p.m. Eastern time.
Key Takeaways
- Maurices credit card payments are processed by Synchrony Bank, and you can pay online at synchronybank.com, by phone using the number on your card, or by mail to the address on your statement.
- Online payments show in your account when ready, while phone and mail payments typically take three to five business days to post.
- Your payment due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
- Late fees explore if your payment arrives after the due date, and late payments can affect your credit score.
Paying by mail
The mailing address for Maurices credit card payments appears on your monthly statement. Write your account number on the check or money order, and mail it to the address listed. Because mail takes time to arrive and process, send your payment at least one week before your due date to avoid a late fee.
Synchrony considers a payment late if it arrives after 5 p.m. Eastern time on the due date. Mailing your payment early gives you a buffer for mail delays. If you're close to your due date and haven't mailed yet, paying online or by phone is safer.
Setting up automatic payments
You can arrange for Synchrony to automatically deduct your payment from your bank account each month. Log into your Synchrony account, go to the payment settings, and choose automatic payments. You can set it to pay your full balance, your minimum payment, or a fixed amount you choose.
Automatic payments remove the risk of forgetting a due date. The payment is deducted on the date you select, usually a few days before your statement due date. If your balance changes month to month, you can adjust the automatic payment amount or turn it off anytime through your account.
Understanding your due date and grace period
Your payment due date is printed on your monthly statement. Synchrony gives you a grace period of at least 21 days from the close of your billing cycle to pay without interest charges on new purchases. This grace period applies only if you paid your previous balance in full by the due date.
If you carry a balance from the previous month, interest starts accruing on new purchases when ready, even during the grace period. Paying your full statement balance by the due date each month is the way to avoid interest charges altogether.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Synchrony charges a late fee, which ranges depending on your account history. Your first late fee is typically lower than subsequent ones. A single late payment also appears on your credit report and can lower your credit score.
If you miss a payment, contact Synchrony as soon as you realize it. Some accounts may have a grace period of a few days before a late fee is applied, though this is not may provide. The sooner you pay, the less damage to your credit. After 30 days late, the late payment is reported to credit bureaus.
Paying more than the minimum
Your statement shows a minimum payment amount, usually a small percentage of your total balance. Paying only the minimum means you'll carry the rest of the balance forward and pay interest on it. Paying more than the minimum reduces the amount of interest you owe and gets you out of debt faster.
If you can afford it, paying your full statement balance each month is the best option. This avoids all interest charges and keeps your credit utilization low, which helps your credit score. If you can't pay the full balance, paying as much as you can above the minimum still saves you money on interest.
Frequently Asked Questions
Can I pay my Maurices credit card at a store?
No, you cannot pay your Maurices credit card bill at a Maurices store. Payments must go through Synchrony Bank online, by phone, or by mail. Store associates cannot process credit card payments.
What time does my payment need to arrive to count as on-time?
Online and phone payments must be submitted before 8 p.m. Eastern time on your due date to post that day. Mail payments must arrive by 5 p.m. Eastern time on the due date. Because mail delivery is unpredictable, send it at least a week early to be safe.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount from your minimum payment up to your full balance. Paying less than the full balance means you'll owe interest on the remaining amount. Paying at least the minimum keeps your account current and avoids late fees.
What if I pay online but the payment doesn't show up right away?
Online payments usually show in your account within hours, but it can take up to one business day. If more than one business day has passed and you don't see the payment, log back into your account to confirm it was submitted. If it wasn't, you may need to resubmit it.
Can I change my payment due date?
You can contact Synchrony to request a different due date. Call the number on your card and ask about changing your billing cycle. Synchrony will work with you to set a date that fits your budget better, though they may not be able to accommodate every request.