How to pay your Ross credit card bill

Ross Dress for Less issues its credit card through Synchrony Bank. To pay your bill, you can log into your Synchrony account online, call Synchrony's customer service line, mail a check, or set up automatic payments from your bank account. The fastest way is online through the Synchrony website or mobile app, where you can see your balance and make a payment in minutes.

You'll need your account number and routing information ready if you're paying by phone or mail. Synchrony accepts payments 24 hours a day online. If you mail a payment, allow 7 to 10 business days for it to reach Synchrony's processing center and post to your account.

Key Takeaways

  • Your Ross credit card is managed by Synchrony Bank, not by Ross Dress for Less directly, so you pay Synchrony, not the store.
  • Online payment through Synchrony's website or app is the fastest method and posts within one business day.
  • Phone payments to Synchrony take a few minutes and work 24/7, but you'll need your account number and bank details ready.
  • Automatic payments from your bank account can be set up to pay a fixed amount or your full balance on a date you choose each month.
  • Missing a payment triggers a late fee and can raise your interest rate, so setting a calendar reminder or autopay helps avoid that cost.

Paying online through Synchrony

Go to Synchrony's website at mysynchrony.com or download the Synchrony mobile app. Sign in with your username and password. If you don't have an account yet, you'll need to register using your card number and Social Security number.

Once logged in, select your Ross credit card account and choose "Make a Payment." Enter the amount you want to pay and your payment method. You can pay from a checking or savings account, or use a debit card. Synchrony will show you the payment date — usually the next business day if you pay before 8 p.m. Eastern time.

Paying by phone

Call Synchrony customer service at the number on the back of your Ross credit card. A representative will ask for your account number and the amount you want to pay. Have your checking or savings account information ready if you're paying from your bank account.

Phone payments are processed immediately, but the funds may take one to two business days to post to your account. Synchrony's phone line is open 24 hours a day, 7 days a week, so you can call at any time.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online, go to "Manage Autopay," and choose whether you want to pay a fixed amount each month or your full statement balance. You can set the payment date to any day of the month.

If you choose to pay your full balance automatically, Synchrony will charge your bank account for whatever you owe on your statement date each month. This is useful if your balance changes month to month. If you set a fixed amount, make sure it's at least your minimum payment, or you'll still be late.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your statement or the back of your card. Allow 7 to 10 business days for the payment to arrive and post.

Mailing a payment is the slowest option and carries the risk that your check gets lost in the mail. Use this method only if you don't have online access or a bank account for electronic payments. Always keep a copy of your check or a photo of it for your records.

What happens if you miss a payment

Your payment is due on the date shown on your statement. If you don't pay by that date, Synchrony will charge you a late fee — usually $25 to $35 depending on your account terms. More importantly, a missed payment can raise your interest rate to the penalty rate, which is often 29.99% or higher.

A late payment also stays on your credit report for seven years and can lower your credit score. If you miss a payment, contact Synchrony as soon as possible. Some cardholders can have a single late fee waived if they've had a good payment history, but you have to ask.

Understanding your statement and due date

Your statement arrives each month and shows your opening balance, purchases, payments, interest charges, and closing balance. The due date is printed on the statement — usually 21 to 25 days after your statement date. You must pay at least the minimum payment by that date to avoid a late fee.

If you carry a balance from month to month, Synchrony charges interest on the unpaid amount. The interest rate for the Ross card varies by creditworthiness but typically ranges from 18% to 27.99% APR. Paying your full balance each month avoids interest charges entirely.

Frequently Asked Questions

Can I pay my Ross credit card at the store?

No. Ross Dress for Less does not process payments for the Synchrony credit card in stores. You must pay through Synchrony directly — online, by phone, by mail, or through automatic payments.

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 8 p.m. Eastern time, it may not post until the following business day. Check your account the next day to confirm. If more than two business days have passed and the payment still hasn't posted, call Synchrony customer service.

Can I change my automatic payment date?

Yes. Log into your Synchrony account, go to "Manage Autopay," and select a new payment date. The change takes effect on your next scheduled payment. Make sure the new date is before your statement due date so you don't miss a payment.

What's the difference between the statement due date and the payment posting date?

Your statement due date is when Synchrony expects your payment to arrive. The posting date is when the payment actually clears and reduces your balance. Payments made online usually post within one business day; mailed checks take 7 to 10 days. Pay early enough that your payment posts before the due date.

Do I have to pay the full balance or just the minimum?

You only have to pay the minimum amount shown on your statement to avoid a late fee. However, any balance you don't pay will be charged interest at your card's APR. Paying the full balance each month costs you nothing in interest.