How to pay your Synchrony bill at synchrony.com
Go to synchrony.com and sign in with your username and password. Once logged in, look for "Make a Payment" or "Pay Now" — the exact wording depends on which Synchrony card you hold, but it appears on your account dashboard. You can pay from a checking or savings account using your routing and account number, or by debit card. Synchrony processes most payments the same business day if you submit before their cutoff time, usually 8 p.m. Eastern.
You will need to enter the amount you want to pay and confirm the payment method. Synchrony does not charge a fee for online payments made through their website. If you pay by phone instead (1-800-522-3255), the process is the same, but you speak to a representative who walks you through it.
Payments typically post to your account within one business day. If you are paying close to your due date, check the exact cutoff time for same-day posting on the payment confirmation screen — this varies slightly by card type and time of year.
Key Takeaways
- Sign in at synchrony.com and select "Make a Payment" to pay online without a fee.
- You can pay from a bank account or debit card, and most payments post within one business day.
- Payments submitted before 8 p.m. Eastern typically post the same business day.
- If you miss your due date, late fees and interest charges will appear on your next statement, and the missed payment may be reported to credit bureaus after 30 days.
- You can set up automatic payments from a bank account to avoid missing a due date.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting a due date. Log in to synchrony.com, go to "Manage Payments," and select "Set Up Auto Pay." You choose a bank account to draw from and decide whether to pay a fixed amount each month or your full statement balance.
Most cardholders set automatic payments to their full balance on or just before the due date. This way, you carry no balance and pay no interest. If you choose a fixed amount instead, make sure it is at least your minimum payment — paying less than the minimum still counts as a late payment even if it is automatic.
You can change or cancel automatic payments anytime through your account settings. Synchrony sends a confirmation email each time a payment is scheduled, so you can catch errors before the money leaves your account.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony charges a late fee. The amount varies by card and your account history, but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase — Synchrony can raise your APR if you are 60 days or more behind.
A single missed payment stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on your current score and payment history. After 30 days past due, Synchrony reports the missed payment to the three major credit bureaus: Equifax, Experian, and TransUnion.
If you know you will miss a due date, contact Synchrony before the date arrives. They cannot erase a late fee, but they may be willing to work with you on a payment plan or temporarily lower your interest rate if this is your first missed payment.
Paying by phone or mail if you do not use online banking
Call 1-800-522-3255 to pay by phone using a checking account, savings account, or debit card. A representative will ask for your account number and the amount you want to pay. Phone payments are free and post within one business day, the same as online payments.
You can also mail a check to the address shown on your statement. Write your account number on the check and mail it to the payment address listed in your billing materials — do not mail it to Synchrony's corporate office, as it will be delayed. Mail payments typically take 5 to 7 business days to post, so send them at least a week before your due date to avoid a late fee.
Understanding your statement and due date
Your Synchrony statement shows your opening balance, all charges and credits from the billing period, your new balance, and your due date. The due date is always the same day each month — for example, the 15th or the 25th. Synchrony considers a payment on time if it posts to your account by 5 p.m. Eastern on the due date.
Your statement also shows your minimum payment, which is usually 1 to 3 percent of your balance plus any fees and interest. Paying only the minimum means you carry the rest of your balance forward and pay interest on it. The interest rate, called your APR, is shown on your statement and may vary based on your creditworthiness and the specific Synchrony card you hold.
If you do not receive your statement by email or mail, log in to synchrony.com and view it under "Statements." You can also set up paperless statements to receive a notification by email each month when your statement is ready.
Payment timing and posting dates
Synchrony processes payments submitted online or by phone before 8 p.m. Eastern on a business day as same-day payments. Business days are Monday through Friday, excluding federal holidays. If you submit a payment after 8 p.m. or on a weekend or holiday, it is processed the next business day.
Once processed, payments usually post to your account within 24 hours. "Posting" means the payment shows up in your account and reduces your balance. Until a payment posts, it does not count toward your due date, so always submit payments at least one business day before your due date to be safe.
If you are paying from a bank account outside the United States, the payment may take longer. Contact Synchrony before sending an international payment to confirm they can accept it and how long it will take to post.
Frequently Asked Questions
Can I pay my Synchrony bill through my bank's bill pay service?
Yes. Most banks allow you to set up Synchrony as a payee in their bill pay system. Your bank sends a check to Synchrony's payment processing center, which typically takes 5 to 7 business days to post. This method is free but slower than paying directly at synchrony.com, so submit it at least a week before your due date.
What if I pay more than my balance?
Synchrony holds the overpayment as a credit on your account. You can use it toward future purchases, or request a refund by calling 1-800-522-3255. Refunds are mailed to your address on file and typically arrive within 7 to 10 business days.
Do I have to pay my full balance, or can I pay just the minimum?
You can pay any amount between your minimum payment and your full balance. Paying only the minimum means you carry the rest forward and pay interest on it. Paying your full balance avoids interest charges entirely. Your statement shows both amounts clearly.
What if my payment fails or is rejected?
Synchrony sends an email notification if a payment fails — usually because the bank account or debit card information is incorrect or the account has insufficient funds. Log back into synchrony.com and resubmit the payment with corrected information. A failed payment does not count as a late payment, but you still need to pay before your due date to avoid late fees.
Can I change my due date?
Yes. Log in to synchrony.com, go to "Account Settings," and select "Change Due Date." You can move your due date to any day of the month. Synchrony processes the change within one or two billing cycles. Changing your due date does not affect your current balance or interest rate.