Paying your Jared bill online, by phone, or by mail
Jared uses Synchrony Bank to issue its store card, so your bill payment options depend on how Synchrony processes payments for that account. You can pay online through your Synchrony account, by phone, by mail, or in person at a Jared store. The fastest route is usually the online portal, where you can see your balance, due date, and payment history in real time.
To pay online, log into your Synchrony account at synchrony.com or through the Synchrony mobile app. You'll need your card number and the password you set up when you registered. From there, you can make a one-time payment or set up automatic payments on a date you choose each month. Synchrony does not charge a fee for online payments.
If you prefer to pay by phone, call the number on the back of your Jared card. A representative can process your payment over the phone using a bank account or debit card. This method works the same day you call, though the payment may take one to two business days to post to your account. Phone payments are also free.
Key Takeaways
- Your Jared card is issued by Synchrony Bank, so you pay through Synchrony's system rather than directly to Jared.
- Online payment through synchrony.com or the Synchrony app is the fastest way to see your balance and make a payment without a fee.
- You can set up automatic monthly payments so the same amount withdraws on the same date each month, reducing the chance of a late payment.
- Payments made by phone or mail take longer to post than online payments, so plan ahead if your due date is soon.
- If you miss a payment, Synchrony may charge a late fee and report the missed payment to credit bureaus, which can lower your credit score.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to make sure you never miss a due date. When you log into your Synchrony account, you can choose to pay a fixed amount, the minimum payment, or the full statement balance on a date you select each month. Most people choose either the full balance (to avoid interest charges) or the minimum payment (to keep more cash on hand, though interest will accrue on the remaining balance).
Once you set up automatic payments, Synchrony will withdraw the amount from your bank account on that date each month. You can change or cancel the automatic payment at any time through your online account. If your balance changes significantly or you know you won't have the funds on that date, log in and adjust the amount or pause the payment before the withdrawal date.
What happens if you miss a payment
If your payment is not received 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, depending on your account terms. If you miss a payment by 30 days or more, Synchrony will report the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion — which can lower your credit score.
If you realize you will miss a due date, contact Synchrony as soon as possible. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Some cardholders have had late fees removed if they have a good payment history and contact the bank before the payment is due. Even if they cannot remove the fee, paying as soon as you can will prevent further damage to your credit.
A missed payment stays on your credit report for seven years, but its impact on your score decreases over time. Making on-time payments going forward is the fastest way to rebuild your credit after a miss.
Paying by mail or in person
If you prefer not to pay online or by phone, you can mail a check or money order to the address listed on your statement. Write your account number on the check so Synchrony knows which account to credit. Mail payments typically take five to seven business days to arrive and post, so send your payment at least a week before your due date to avoid a late fee.
Some Jared locations accept in-store payments on your card account. Call your local Jared store to confirm whether they offer this service, as not all locations do. In-store payments are processed immediately, but you will need to bring a form of payment (cash, debit card, or check) and your card or account number.
Understanding your statement and interest charges
Your Jared card statement shows your opening balance, purchases made during the billing period, payments received, fees, and interest charges. The due date is the last day you can pay without a late fee. The minimum payment is the smallest amount Synchrony will accept; paying only the minimum means the rest of your balance will accrue interest at your card's annual percentage rate (APR).
Interest is calculated daily on any balance you carry from month to month. If your APR is 24% (a common rate for store cards, though rates vary), and you carry a $1,000 balance, you will owe roughly $20 in interest that month. The longer you carry a balance, the more interest you pay. Paying your full statement balance each month avoids interest charges entirely.
Your statement also lists any promotional offers, such as deferred interest periods on large purchases. These offers typically require you to pay off the purchase within a set number of months (often 12 or 24 months) to avoid interest being charged retroactively. If you miss a payment during a promotional period, the deferred interest usually becomes due immediately.
Comparing payment methods and timing
| Payment Method | Time to Post | Cost | Best For |
|---|---|---|---|
| Online (Synchrony.com or app) | 1 business day | Free | Paying close to your due date or setting up automatic payments |
| Phone | 1–2 business days | Free | Paying without a computer or when you need to speak to someone |
| 5–7 business days | Cost of postage | Paying well in advance of your due date | |
| In-store (select locations) | Same day | Free | Paying in cash or when you are already at Jared |
Frequently Asked Questions
Can I pay my Jared card at a Jared store?
Some Jared locations accept in-store payments, but not all do. Call your local store to ask. If they do accept payments, you can pay with cash, debit card, or check. The payment posts immediately, so it's useful if you need to pay quickly and are already at the store.
What if I pay online but my payment doesn't show up right away?
Online payments typically post within one business day. If you pay after 5 p.m. Eastern time, the payment may not process until the next business day. If more than two business days have passed and the payment still hasn't posted, log into your account to confirm the payment was submitted, then contact Synchrony customer service at the number on your statement.
Can I change my automatic payment date if I get paid on a different schedule?
Yes. Log into your Synchrony account and edit your automatic payment settings to choose a new date. You can change it as often as you need, but make sure the new date is before your statement due date to avoid a late fee.
What is the difference between the due date and the payment due date?
They are the same thing. The due date is the last day Synchrony will accept your payment without charging a late fee. Payments received after that date are considered late, even if they arrive the next day.
If I pay more than the minimum, does the extra go toward my next bill?
No. Any amount you pay above the minimum goes toward reducing your current balance and the interest you owe on it. Your next statement will show a lower opening balance. You still need to make a payment on your next due date unless you have paid off the entire balance.