Paying your Lowe's Synchrony card bill online, by phone, or by mail
You can pay your Lowe's Synchrony card bill through three main routes: the Synchrony website or mobile app, by phone, or by mailing a check. The fastest and most common method is online through your Synchrony account, where you can set up one-time payments or automatic recurring payments. Phone payments go through Synchrony's customer service line and take effect the same day if you call before the cutoff time (usually early afternoon). Mailing a check takes seven to ten business days to reach Synchrony's processing center, so you need to account for that delay when your payment is due.
Synchrony does not charge a fee for any of these payment methods. The card issuer covers the cost of processing, so you will not see an extra charge whether you pay online, by phone, or by mail. This is different from some other credit card issuers, which charge a fee for phone or expedited payments.
Key Takeaways
- Online payments through Synchrony's website or app are free and typically post to your account within one business day.
- Phone payments to Synchrony are also free and can be made 24/7, though the payment posts the next business day unless you call before the daily cutoff.
- Mailing a check is free but takes seven to ten business days, so you must send it well before your due date to avoid a late payment.
- Setting up automatic payments through Synchrony prevents missed due dates, though you remain responsible if the payment fails due to insufficient funds.
- Late payments on a Synchrony card report to credit bureaus after 30 days and trigger a penalty interest rate that applies to your entire balance.
Paying online through Synchrony's website or app
Log into your account at Synchrony.com or through the Synchrony mobile app using your username and password. Once logged in, look for a "Make a Payment" or "Pay Now" button, usually visible on your account dashboard. You will be asked to choose a payment amount and a payment date. Synchrony allows you to pay any amount from the minimum payment up to your full balance, and you can schedule the payment for today or any future date up to your next due date.
Payments made before 8 p.m. Eastern Time typically post the next business day. If you pay after 8 p.m. or on a weekend, the payment will post the following business day. You will receive a confirmation number immediately after submitting the payment, and you can check your account to see the payment status at any time.
To set up automatic payments, select the "Autopay" or "Automatic Payments" option in your account settings. You can choose to pay the minimum amount, a fixed dollar amount, or your full statement balance each month. Synchrony will deduct the payment on your due date automatically. If your bank account does not have enough money on the payment date, the payment will fail and you will be charged a late fee.
Paying by phone with Synchrony customer service
Call Synchrony's customer service number, which appears on the back of your Lowe's card and in your monthly statement. You can reach them 24 hours a day, seven days a week. Have your card number and bank account information ready. A representative will ask you how much you want to pay and which bank account to draw from, then process the payment over the phone.
Phone payments are free and take effect the next business day. If you call before the daily cutoff time (typically 1 p.m. Eastern Time on business days), Synchrony may post your payment the same day, but you should not count on this. Always allow at least one business day for the payment to show in your account.
Paying by mail
Write a check payable to Synchrony Bank and include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this is different from the address where you send disputes or correspondence. Do not send your payment to Synchrony's general mailing address, as it will be delayed.
Mail takes seven to ten business days to arrive at Synchrony's processing center. Your payment is considered on time if it is postmarked by your due date, not if it arrives by your due date. This means you need to mail your check at least ten days before the due date to be safe. If you are cutting it close, paying online or by phone is faster and more reliable.
What happens if you miss a payment
If your payment does not arrive by your due date, Synchrony will charge a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher. You will also be charged a penalty interest rate on your entire balance, which is usually several percentage points higher than your regular purchase rate.
After 30 days past due, Synchrony reports the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion). This stays on your credit report for seven years and can lower your credit score significantly. If your account reaches 60 days past due, Synchrony may freeze your account and stop allowing new purchases. At 180 days past due, Synchrony typically closes the account and may sell the debt to a collection agency.
If you miss a payment by accident, contact Synchrony as soon as you realize it. Paying immediately can sometimes prevent the late fee from posting, though this is not may provide. Ask the representative whether they can waive the fee as a one-time courtesy, especially if you have a good payment history.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting to pay on time. You can set them up through your Synchrony account online or by calling customer service. Choose whether you want to pay the minimum amount due, a fixed dollar amount each month, or your full statement balance. Most people choose to pay the full balance to avoid carrying interest charges month to month.
Your automatic payment will process on your due date each month. If your bank account does not have enough money on that date, the payment will fail and you will be charged a late fee by Synchrony. You are responsible for making sure your bank account has sufficient funds, so set up a reminder to check your balance a few days before the payment date if you are concerned.
You can change or cancel automatic payments at any time through your Synchrony account or by calling customer service. If you cancel, you will need to make manual payments going forward or set up a new automatic payment arrangement.
Understanding your Lowe's Synchrony statement and due date
Your monthly statement shows your opening balance, all purchases and credits from the past month, your new balance, your minimum payment due, and your due date. The due date is typically 25 days after your statement closing date. Synchrony sends statements by mail or email, depending on your preference.
Your statement also shows your interest rate (called the purchase APR), any promotional rates you may have, and the interest you paid that month. If you carry a balance, you will be charged interest daily on the unpaid amount at your purchase APR. Paying your full balance by the due date avoids interest charges entirely.
Frequently Asked Questions
Can I pay my Lowe's Synchrony card at a Lowe's store?
No. Lowe's stores do not accept credit card payments at the register. You must pay through Synchrony directly — online, by phone, or by mail. Some Lowe's locations have a customer service desk, but they cannot process credit card payments there either.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.
Is there a penalty for paying early?
No. Synchrony does not charge a fee or penalty for paying your bill early or paying more than the minimum. Paying early reduces the interest you owe if you carry a balance.
What if my payment fails because my bank account has insufficient funds?
Synchrony will charge you a late fee and report the late payment to credit bureaus if it remains unpaid for 30 days. Contact Synchrony immediately to make the payment and ask whether they will waive the fee. Your bank may also charge you an overdraft fee if the payment attempt causes your account to go negative.
Can I set up automatic payments from a different bank account than the one I used before?
Yes. Log into your Synchrony account and update your bank account information in the payment settings, or call customer service to change it over the phone. You will need to provide your new routing number and account number.