How to pay your Synchrony credit card
You can pay your Synchrony credit card online through your account, by phone, by mail, or through automatic payments. The fastest way is online through Synchrony's website or mobile app — the payment posts the same day if you submit it before the cutoff time, which is usually around 8 p.m. Eastern time. You can also set up automatic payments so the full balance or a fixed amount withdraws from your bank account on the date you choose each month.
Synchrony is the issuer behind store credit cards (like Amazon, Target, and Best Buy cards) and also offers its own branded card. The payment methods and timing are the same regardless of which Synchrony card you hold. You will need your card number and your bank account or debit card information ready before you start.
Key Takeaways
- Online payments through Synchrony's website or app post the same day if submitted before 8 p.m. Eastern time; mail payments take 5 to 7 business days.
- You can pay by phone at the customer service number on the back of your card, and a representative will process the payment while you wait.
- Automatic payments let you choose a fixed date each month and can be set to pay your full balance, a minimum payment, or a specific dollar amount.
- Late payments are reported to credit bureaus and trigger late fees; paying by the due date shown on your statement keeps your account in good standing.
Paying online through Synchrony's website or app
Log into your Synchrony 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, select the bank account or debit card you want to pay from, and choose the date you want the payment to post. Review the details and confirm.
Payments submitted before 8 p.m. Eastern time post the same business day. If you submit after 8 p.m. or on a weekend or holiday, the payment posts the next business day. Synchrony does not charge a fee for online payments made this way. You will see a confirmation number on screen and can also check the payment status in your account under "Payment History."
Paying by phone
Call the customer service number on the back of your credit card. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. The payment posts the same business day if you call before the cutoff time. There is no fee for phone payments.
Phone payments are useful if you have questions about your account or need help with the payment process. Keep your bank account number or debit card number ready before you call. The representative will confirm the payment details before processing, so you will know the exact amount and date before the call ends.
Paying by mail
Write a check to Synchrony and mail it to the address shown on your statement. Include your account number on the check. Mail payments typically take 5 to 7 business days to post, so send your payment well before your due date to avoid late fees.
The mailing address for payments is listed on your monthly statement. Do not send cash through the mail. If you are paying from outside the United States, contact Synchrony customer service for instructions, as international mail can take significantly longer.
Setting up automatic payments
Log into your Synchrony account online or in the app and look for "Automatic Payments" or "Recurring Payments" in the settings menu. Choose the date each month you want the payment to occur, select the amount (full balance, minimum payment, or a specific dollar amount), and confirm the bank account or debit card to withdraw from.
Automatic payments are useful if you want to avoid missing a due date. You can change or stop automatic payments at any time through your account. If you set automatic payments to the full balance, your payment will adjust each month based on what you owe. If you set a fixed dollar amount, make sure it is at least the minimum payment shown on your statement, or you may still be charged a late fee.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Synchrony will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment and may be higher for subsequent ones. Late payments are also reported to credit bureaus and can lower your credit score.
If you miss a payment, contact Synchrony as soon as possible. Some late fees can be waived if you have a good payment history and contact them before the next billing cycle. The sooner you pay, the less interest will accrue on your balance. If you are having trouble making a payment, ask about hardship programs or payment plans that may be available.
Payment timing and cutoff dates
The cutoff time for same-day posting is usually 8 p.m. Eastern time for online and phone payments. Payments submitted after that time or on weekends and holidays post the next business day. Your statement shows your due date, which is typically 21 to 25 days after the end of your billing cycle.
Payments post to your account in this order: interest charges, then late fees, then your principal balance. This means if you are behind on payments, your payment will cover fees and interest before reducing what you owe on purchases. Plan to pay a few days before your due date to account for mail time or processing delays, especially if you are paying by check.
Frequently Asked Questions
Can I pay my Synchrony card with a credit card or another card?
No. Synchrony only accepts payments from a bank account (via ACH transfer) or a debit card. You cannot pay with another credit card. Using a debit card or bank account keeps the payment from being treated as a cash advance, which would trigger higher fees and interest rates.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request a refund by contacting Synchrony customer service. Refunds typically take 5 to 7 business days to reach your bank account.
Do I have to pay the full balance each month?
No. You can pay any amount at or above the minimum payment shown on your statement. However, any balance you do not pay will accrue interest at your card's APR. Paying the full balance each month avoids interest charges.
How do I know if my payment went through?
Log into your Synchrony account and check your payment history, or look for a confirmation number or email receipt from when you submitted the payment. You can also call customer service to confirm. Payments typically show as "pending" for one business day before they post to your account.
Can I change my automatic payment date if it falls on a weekend?
Yes. When you set up automatic payments, you can choose any date of the month. If the date you choose falls on a weekend or holiday, Synchrony will process the payment on the next business day. You can change your automatic payment date at any time through your account.