Where your Maurices credit card payment goes
When you send a payment to your Maurices credit card, it goes to Synchrony Bank, the company that issues and manages the card on behalf of Maurices. Synchrony processes the payment, applies it to your account balance, and reports the transaction to the credit bureaus. The payment reduces what you owe, but the timing of when it posts and how it affects your interest charges depends on which payment method you use and when Synchrony receives it.
Maurices does not handle the payments directly — you are always paying Synchrony, even though you opened the card through Maurices. This matters because if you have questions about whether a payment posted or how much you owe, you contact Synchrony's customer service, not the store.
Key Takeaways
- Maurices credit card payments go to Synchrony Bank, not to Maurices stores, and Synchrony controls when the payment posts to your account.
- Online payments through your Synchrony account typically post within one business day, while mailed checks can take five to seven business days to arrive and process.
- Payments made in a Maurices store are sent to Synchrony and may take longer to post than online payments, so do not rely on in-store payments for urgent important date.
- Your payment due date is set by Synchrony and appears on your monthly statement; paying after that date triggers a late fee even if the payment posts within a few days.
- Synchrony's customer service line on the back of your card is where you confirm a payment was received and check your current balance.
Paying online through your Synchrony account
The fastest and most reliable way to pay is through Synchrony's website or mobile app. Log in with your username and password, navigate to the payment section, and enter the amount you want to pay. You can pay from a checking or savings account (using your routing and account number) or from a debit card. Synchrony does not charge a fee for these payments.
Online payments typically post within one business day. If you pay before 11:59 p.m. Eastern time on a business day, Synchrony usually processes it that same day or the next morning. Weekends and holidays extend the timeline — a payment made on Friday evening may not post until Monday. Check your account the next business day to confirm the payment went through.
If you are paying to meet a due date, pay at least two business days early to account for processing time. Synchrony's system shows your current balance and due date when you log in, so you can see exactly how much you owe before you submit the payment.
Paying by mail or phone
You can mail a check or money order to the address printed on your statement. Write your account number on the check and mail it to Synchrony's payment processing center. Mailed payments take five to seven business days to arrive, and another day or two to post to your account. If your due date is within the next week, mailing a check is too slow — use online payment or call instead.
To pay by phone, call the customer service number on the back of your Maurices credit card. A representative will take your payment information over the phone and process it when ready. Phone payments post the same day or the next business day, similar to online payments. Synchrony does not charge a fee for phone payments.
Keep a record of the confirmation number Synchrony gives you when you pay by phone. If you ever need to prove you made a payment, this number is your proof.
Paying in a Maurices store
Some Maurices locations accept credit card payments at the register. You can pay with cash, a debit card, or another credit card — not with the Maurices card itself. The store collects the payment and sends it to Synchrony, but this route is slower than paying online or by phone. In-store payments can take five to ten business days to post because the store must batch and transmit them to Synchrony's processing center.
Do not use in-store payment if you are close to your due date. The payment may not post in time to avoid a late fee, even though you paid several days before the important date. If you are in a Maurices store and need to pay urgently, ask a cashier for the phone number to call Synchrony directly instead.
Understanding your due date and late fees
Your due date is printed on your monthly statement and is set by Synchrony, not by Maurices. Synchrony considers a payment late if it is not received by 5 p.m. Eastern time on the due date. A late payment triggers a late fee (the amount varies but is typically $25 to $40 on a Maurices card) and may raise your interest rate on future purchases.
The key word is received, not posted. If you mail a check and it arrives on the due date but does not post until three days later, you are still late. If you pay online at 11:58 p.m. on the due date, you are on time. Synchrony's system shows the exact time your payment was received.
If you miss a due date, contact Synchrony as soon as possible. Some late fees can be waived if you have a good payment history and call within a few days. The sooner you call, the better your chances.
What happens after your payment posts
Once Synchrony posts your payment, your available credit increases by the amount you paid. If you paid the full balance, your account shows $0 owed. If you paid only part of the balance, the remaining amount continues to accrue interest at your card's APR (annual percentage rate) unless you have a 0% promotional period.
Synchrony reports all payments to the three credit bureaus (Equifax, Experian, and TransUnion). On-time payments build your credit history; late payments damage it and stay on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points, depending on how late it was and your overall credit profile.
Your next statement arrives about 21 to 25 days after the previous one closed. It shows your payment, your remaining balance, and your new due date. Review each statement to make sure all payments posted correctly.
If your payment does not post
If you paid online or by phone and the payment does not appear in your account within two business days, call Synchrony's customer service line on the back of your card. Have your confirmation number ready. Synchrony can tell you whether the payment is still processing, whether it was rejected (usually because of incorrect account information), or whether there was a system error.
If the payment was rejected, Synchrony will tell you why — often a mismatched account number or insufficient funds in your bank account. You can resubmit the payment when ready once you fix the problem. If there was a system error on Synchrony's end, the company will reprocess the payment at no charge and may waive any late fees that resulted from the delay.
Keep records of all payments for at least one year. Take screenshots of online confirmations, save email receipts, and write down phone confirmation numbers. If a payment goes missing, these records prove you paid.
Frequently Asked Questions
Can I set up automatic payments so I do not have to remember?
Yes. Log into your Synchrony account, go to the payment settings, and choose "autopay". You can set it to pay the full balance, the minimum payment, or a fixed amount each month on a date you choose. Synchrony will deduct the payment from your bank account automatically. You can change or cancel autopay anytime.
What if I pay more than I owe?
Synchrony holds the overpayment as a credit on your account. Your next statement will show the credit, and your new balance will be reduced by that amount. If you want the money back instead, call Synchrony and request a refund. Refunds are mailed as a check and take about two weeks.
Does paying in full each month help my credit score?
Yes. Paying in full by the due date shows lenders you manage credit responsibly. It also saves you interest charges. However, your credit score also depends on your overall credit history, how many accounts you have, and how much of your available credit you use — paying one card in full does not may provide a high score.
What if I cannot pay by the due date?
Call Synchrony before the due date and explain your situation. Some representatives can work out a payment plan or defer a payment by a few days, though this is not may provide. Paying even a partial amount before the due date is better than paying nothing, because it shows good faith and may reduce the late fee.
Is there a difference between the payment due date and the statement closing date?
Yes. The statement closing date is when Synchrony stops adding new purchases to your current statement and calculates what you owe. The due date is when that payment is due. They are usually about 21 days apart. Purchases made after the closing date appear on your next statement.