Where and how to pay your Crate and Barrel card
Crate and Barrel issues its credit card through Synchrony Bank. You can pay your bill online through the Synchrony website, by phone, by mail, or in person at a Crate and Barrel store. The fastest route is the online portal at Synchrony.com — you can log in with your card number and make a payment the same day it posts.
To pay by phone, call the number on the back of your card. A representative can process a payment immediately and tell you your current balance and due date. If you prefer mail, send a check or money order to the address printed on your statement. In-store payments are also an option at any Crate and Barrel location, though staff will direct you to call Synchrony to confirm the payment went through.
Set up automatic payments through your Synchrony account to avoid missing a due date. You can choose to pay your full balance, a fixed amount, or the minimum payment on the same day each month.
Key Takeaways
- Synchrony Bank handles all Crate and Barrel card payments, not Crate and Barrel itself.
- Online payment through Synchrony.com is the fastest method and posts the same day you submit it.
- You can pay by phone, mail, or in person, but online and automatic payments reduce the risk of late fees.
- Your due date and current balance appear on your monthly statement and in your Synchrony account.
- Late payments trigger a fee and may raise your interest rate, so setting a reminder or automatic payment protects your account.
What happens if you miss a payment
A payment is late if it arrives after the due date shown on your statement. Synchrony charges a late fee — the amount depends on your account history and state law, but typically ranges from $25 to $40 for a first offense. The fee appears on your next statement.
A late payment also affects your credit report. Synchrony reports to the three major credit bureaus (Equifax, Experian, and TransUnion), and a payment 30 days or more past due will show up on your credit history. This can lower your credit score and make it harder to borrow money elsewhere. If your payment is only a few days late, call Synchrony immediately — some representatives will waive a first late fee if you pay before the next billing cycle closes.
If you fall behind by 60 days or more, Synchrony may raise your interest rate to a penalty rate, which can be significantly higher than your regular APR. At 180 days past due, the account may be sent to a collection agency, and Synchrony may close your card.
Understanding your statement and due date
Your Crate and Barrel statement arrives monthly and shows your opening balance, all purchases and credits, fees, interest charges, and your new balance. The due date is printed near the top of the statement and is typically 21 to 25 days after the statement closes. Payments received by 5 p.m. Eastern Time on the due date count as on-time.
The statement also shows your minimum payment — usually 1 to 3 percent of your balance plus interest and fees. Paying only the minimum keeps your account in good standing but means you will pay interest on the remaining balance. If you carry a balance month to month, the interest compounds, and the total cost of your purchases rises significantly.
You can view your statement online through Synchrony at any time, even between billing cycles. This is useful if you need to check your balance before the paper statement arrives or if you want to confirm a payment posted.
Interest rates and how they work
The Crate and Barrel card carries a variable interest rate, meaning it can change over time. Your specific APR depends on your credit score and credit history at the time you open the account. Synchrony discloses the APR range in the card's terms and conditions — you can find this in your welcome materials or by logging into your account.
Interest is charged only on balances you carry from one month to the next. If you pay your full statement balance by the due date, no interest accrues. If you pay less than the full balance, interest is calculated on the remaining amount at your APR, compounded daily. A higher balance or a longer time carrying it means more interest paid overall.
If you miss a payment by 60 days or more, Synchrony may apply a penalty APR, which is higher than your regular rate. Once a penalty rate is applied, it typically stays in place for at least six months, even after you catch up on payments.
Automatic payments and payment reminders
Setting up automatic payments through Synchrony removes the risk of forgetting a due date. Log into your Synchrony account, select "Manage Payments," and choose whether you want to pay your full balance, a fixed dollar amount, or the minimum payment each month. You can change or cancel the automatic payment at any time.
If you prefer to pay manually, set a phone reminder or calendar alert for a few days before your due date. This gives you time to log in, review your balance, and submit the payment without rushing. Paying a few days early also protects you if there is a delay in the payment posting.
Some banks and payment apps also allow you to schedule payments to Synchrony directly from your checking account. Check with your bank to see if this option is available — it can be faster than logging into Synchrony each time.
Disputing charges and getting help
If you see a charge on your Crate and Barrel statement that you did not make or that was processed incorrectly, contact Synchrony within 60 days of the statement date. You can dispute the charge through your online account or by calling the number on the back of your card. Synchrony will investigate and either reverse the charge or explain why it is valid.
If you are having trouble making a payment due to hardship, call Synchrony to discuss your options. Some cardholders are offered a temporary lower payment plan or a pause on interest, though these are not may provide and depend on your account history and current situation. Synchrony will not offer this unless you ask, so it is worth calling if you are struggling.
For questions about your account, statement, or payment options, the customer service number is on the back of your card. Representatives can answer questions about your balance, due date, interest rate, and payment methods during business hours.
Frequently Asked Questions
Can I pay my Crate and Barrel card with a different payment method, like a debit card?
Yes. When you pay through Synchrony online or by phone, you can use a debit card, bank account transfer, or another credit card to make the payment. Using another credit card to pay is possible but usually not recommended, since you will be charged interest on that card as well.
What if I pay online but the payment does not show up right away?
Online payments through Synchrony typically post the same day you submit them, but it can take up to one business day. If you are close to your due date, pay at least one business day early to be safe. If a payment you made several days ago still has not posted, call Synchrony to confirm it was received.
Does paying more than the minimum help my credit score?
Paying more than the minimum does not directly boost your credit score, but it does lower your credit utilization ratio — the amount of your credit limit you are using. A lower utilization ratio can improve your score over time. More importantly, paying down your balance faster means you pay less interest overall.
What is the difference between the statement balance and the current balance?
The statement balance is what you owed on the date your statement closed. The current balance includes any charges or payments made after the statement closed. You only owe interest on balances you carry past the due date, so paying your statement balance by the due date avoids interest, even if you have made new charges since the statement closed.
Can I set up automatic payments to pay more than my minimum?
Yes. When you set up automatic payments, you can choose to pay your full balance, a fixed amount higher than the minimum, or the minimum itself. Choosing to pay your full balance automatically is the easiest way to avoid interest and late fees.