Where to send your Jared payment
Jared uses Synchrony Bank to issue and manage its credit card, so your bill goes to Synchrony, not directly to Jared stores. You can pay online through your Synchrony account, by phone, by mail, or in person at a Jared location. The method you choose does not affect your interest rate or fees — only whether the payment arrives on time.
Your monthly statement will show a mailing address for payments sent by check or money order. That address is typically a Synchrony processing center, not a Jared store. If you pay by mail, allow 5 to 7 business days for the payment to reach the processor and post to your account.
The fastest way to pay is online through your Synchrony account. You can set up a one-time payment or enroll in automatic payments from your bank account. Payments made online before 8 p.m. Eastern Time on the due date usually post the same day.
Key Takeaways
- Jared credit card payments go to Synchrony Bank, not to Jared stores, even though you use the card at Jared locations.
- You can pay online at your Synchrony account, by phone at the number on your statement, by mail to the address shown on your bill, or in person at a Jared store.
- Online payments made before 8 p.m. Eastern Time on your due date usually post the same day; mail payments take 5 to 7 business days to process.
- If you miss a payment, Synchrony will charge a late fee (the amount varies by state) and may report the miss to credit bureaus after 30 days.
- Automatic payments from your bank account can prevent missed payments, but you remain responsible if your bank fails to send the payment on time.
Setting up online payments through Synchrony
To pay online, go to Synchrony's website and log into your account using your card number and PIN or password. If you do not have an online account yet, you can create one by entering your card number and the last four digits of your Social Security number. Synchrony will send a temporary password to the email address on file, which you can change after your first login.
Once logged in, select "Make a Payment" and choose whether to pay the full balance, the minimum payment, or a custom amount. You can pay from a checking or savings account linked to your Synchrony account. Synchrony does not charge a fee for online payments from a bank account, but your bank may charge a fee if you use a debit card or credit card to pay instead.
If you want to set up automatic payments, select "Autopay" in your account settings and choose the date each month when you want the payment to leave your bank account. You can change or cancel automatic payments at any time, but you are responsible for making sure a payment is made by the due date if you cancel autopay.
Paying by phone or in person
To pay by phone, call the number on the back of your Jared credit card or on your monthly statement. A Synchrony representative will ask for your account number and the amount you want to pay, then guide you through entering your bank account information. Phone payments typically post within one business day.
You can also pay in person at any Jared store. Bring your credit card or account number and the amount you want to pay in cash or check. The store will process the payment through Synchrony's system, and it will post to your account within one to two business days. Paying in person does not speed up the posting time compared to online or phone payments.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount of the late fee varies by state and by how much you owe, but it is typically between $25 and $40 for the first late payment. If you are late again within six months, the fee may be higher.
A missed payment also affects your interest rate. If you have a promotional rate (such as 0% interest for 12 months), missing a payment will end the promotion and apply the regular purchase rate to your entire balance, including purchases made during the promotional period. This can happen even if you pay just one day late.
After 30 days past the due date, Synchrony will report the missed payment to the three major credit bureaus: Equifax, Experian, and TransUnion. This report will lower your credit score and remain on your credit report for seven years. After 120 days past due, Synchrony may close your account and send your debt to a collection agency.
Understanding your minimum payment and due date
Your minimum payment is shown on your monthly statement and is usually 1% to 3% of your total balance, plus any interest and fees owed. Paying only the minimum means you will carry a balance and pay interest each month unless you have a 0% promotional rate. The due date is also shown on your statement and is the same date each month.
If your due date falls on a weekend or holiday, Synchrony typically moves it to the next business day. However, you should assume the due date shown on your statement is the actual deadline and not rely on a shift. If you are unsure whether a date is a business day, pay a day or two early to be safe.
Your statement closing date (when Synchrony stops adding new purchases to that month's bill) is different from your due date. Purchases made after the closing date will appear on next month's statement. Knowing the difference helps you plan large purchases and understand why a recent transaction does not appear on your current bill.
Avoiding interest charges and promotional rate traps
If you have a 0% promotional rate on purchases or transfers, you must pay the full balance before the promotion ends to avoid interest on the entire amount. For example, if you have 0% for 12 months and make a $2,000 purchase in month one, you must pay off that $2,000 by the end of month 12. If you still owe $1 on month 13, Synchrony will charge interest on the full $2,000 from the original purchase date, not just on the remaining $1.
To avoid this trap, write down the exact end date of your promotion and set a reminder to pay the balance in full by then. If you cannot pay it off, contact Synchrony before the promotion ends to ask about extending the rate or moving the balance to a different card. Synchrony will not extend the rate automatically, but some customers have been able to negotiate an extension by calling before the deadline.
Regular purchases made after a promotional period ends will accrue interest at the standard purchase rate shown in your account. This rate varies based on your credit score and payment history, so check your statement or account to see what rate applies to you.
Frequently Asked Questions
Can I pay my Jared credit card bill at a Jared store?
Yes, you can pay in person at any Jared location with cash or check. The store will process the payment through Synchrony's system, and it will post to your account within one to two business days. Paying in person does not speed up posting compared to paying online or by phone.
What is the difference between my statement closing date and my due date?
Your statement closing date is when Synchrony stops adding new purchases to that month's bill. Your due date is when your payment must arrive to avoid a late fee. These are usually 20 to 25 days apart. Purchases made after the closing date appear on next month's statement.
Will paying late end my 0% promotional rate?
Yes. Missing a payment by even one day will end a 0% promotional rate and apply the regular purchase rate to your entire balance, including purchases made during the promotional period. This can result in a large interest charge if you still owe money when the promotion ends.
How long does it take for a payment to post if I pay by mail?
Mail payments typically take 5 to 7 business days to reach Synchrony's processing center and post to your account. To be safe, mail your payment at least 10 days before your due date. Online and phone payments post much faster — usually the same day or next business day.
What happens if I set up automatic payments but my bank does not send the money?
You remain responsible for making sure a payment is made by the due date. If your bank fails to send an automatic payment, Synchrony will still charge a late fee and report the missed payment to credit bureaus. Contact Synchrony immediately if an automatic payment does not post, and follow up with your bank to find out what went wrong.