Paying your Synchrony bill by phone
You can pay your Synchrony Bank credit card or store card bill by phone using their automated system or by speaking to a representative. The phone number for bill payment is 1-800-935-9935. You will need your account number and the amount you want to pay ready before you call. Payments made by phone are typically processed the same day if you call before the cutoff time, which varies by time zone but is usually in the evening.
When you call, the automated system will walk you through entering your payment amount and confirming the date it should be processed. If you prefer to speak with someone, you can stay on the line or press the option for a representative. There is no fee for paying by phone, whether you use the automated system or talk to a person.
Key Takeaways
- Call 1-800-935-9935 to pay your Synchrony bill by phone using either the automated system or a live representative.
- Same-day processing is available if you call before the evening cutoff time, which varies by your time zone.
- You will need your account number and the payment amount ready when you call.
- Phone payments have no fee and can be made 24 hours a day, seven days a week.
- If you miss a payment deadline, you can still call to make a payment and ask about late fees or interest charges that may have been added.
What information you need before calling
Have your Synchrony account number available — this is the 16-digit number on your card or statement. You should also know the exact amount you want to pay. Decide whether you want to pay the full balance, the minimum payment, or a specific amount in between.
If you are calling from a phone number different from the one on file with Synchrony, the system may ask you to verify your identity by providing your Social Security number or other personal information. This is a security step to prevent unauthorized payments on your account.
Same-day processing and payment timing
Payments made by phone before the cutoff time — typically between 8 p.m. and 11 p.m. Eastern Time, depending on the day — will post to your account the same day. Payments made after the cutoff or on weekends and holidays will be processed the next business day.
The payment will reduce your balance immediately in the system, but it may take one to two business days to appear on your statement. If you are trying to avoid a late fee, calling to make a payment before your due date passes is faster than mailing a check or waiting for an online payment to process.
Automated system versus speaking with a representative
The automated phone system at Synchrony is designed to handle routine payments quickly. You enter your account number, confirm your identity, state the amount you want to pay, and choose the payment date. The entire process usually takes three to five minutes. This option is available 24 hours a day.
If you have questions about your account, need to discuss a dispute, or want to set up a payment plan for a past-due balance, you should ask to speak with a representative. Wait times vary depending on the time of day you call, but representatives are available during business hours and some evening hours. A representative can also help if the automated system is not accepting your payment for any reason.
What happens if you miss the payment deadline
If your payment due date has passed, you can still call 1-800-935-9935 to make a payment by phone. The payment will be processed, but any late fees or interest charges that were added to your account will remain unless you contact Synchrony to request they be waived. Late fees are typically $25 to $40 depending on your card agreement, and interest will accrue on your balance at your card's regular APR.
Some cardholders have had late fees removed by calling and explaining their situation, especially if it is the first time they have missed a payment. There is no harm in asking, but Synchrony is not required to remove the fee. The sooner you call to make the payment after missing the deadline, the less additional interest will accrue on your balance.
Alternatives to paying by phone
If you prefer not to call, you can pay your Synchrony bill online through their website or mobile app, by mail, or by setting up automatic payments. Online and app payments work the same way as phone payments and have no fee. Automatic payments can be set up to pay a fixed amount or your full balance on a date you choose each month, which removes the risk of forgetting to pay.
Mailing a check takes longer — typically five to seven business days — so it is not a good option if you are close to your due date. If you set up automatic payments, you can still call to make an extra payment by phone whenever you want to pay down your balance faster.
Frequently Asked Questions
Is there a fee for paying my Synchrony bill by phone?
No. Synchrony does not charge a fee for phone payments, whether you use the automated system or speak with a representative. The payment is processed at no cost to you.
Can I pay someone else's Synchrony bill by phone?
No. For security reasons, Synchrony only accepts payments from the cardholder or an authorized user on the account. If you are an authorized user, you can call and make a payment. If you are not on the account, the cardholder must call and authorize the payment themselves.
What if the automated system won't accept my payment?
Ask to speak with a representative. This can happen if there is a fraud alert on your account, if your account is frozen, or if there is a technical issue. A representative can investigate why the payment was declined and help you complete the transaction.
How long does it take for a phone payment to show up on my statement?
The payment is recorded in the system immediately, but it may take one to two business days to appear on your online statement or next paper statement. If you need proof the payment was made, ask the representative for a confirmation number when you call.
Can I schedule a payment for a future date by phone?
Yes. When you call, you can choose the date you want the payment to be processed. This is useful if you want to time the payment with when you receive your paycheck, but you should schedule it for before your due date to avoid late fees.