What Mysynchrony is and who uses it
Mysynchrony is the online portal and mobile app where cardholders with Synchrony-issued credit cards log in to view their account, make payments, and manage their card. Synchrony Financial issues credit cards for hundreds of retail and store brands — including Amazon, Target, Lowe's, Best Buy, and many others. If your store credit card or retail card is backed by Synchrony, you will use Mysynchrony to handle your account.
You do not need to use Mysynchrony to make a payment — you can mail a check, call the customer service number on your statement, or set up automatic payments through your bank. But Mysynchrony is the fastest way to see your balance, check your due date, and send a payment when ready from your computer or phone.
Key Takeaways
- Mysynchrony is the login portal for Synchrony-issued store credit cards, where you can view your balance and make payments online.
- You will need your card number and a password to log in, or you can create an account using your email address if you have never logged in before.
- Payments made through Mysynchrony typically post to your account within one business day, though the exact timing depends on when you submit the payment.
- You can set up automatic recurring payments through Mysynchrony so your payment is sent on the same date each month without you having to log in again.
- If you forget your password or cannot log in, you can reset it through the Mysynchrony website or call the customer service number on your card statement.
How to create a Mysynchrony account and log in for the first time
If you have never logged into Mysynchrony before, you will need to create an account. Go to mysynchrony.com and click the option to register or create an account. You will be asked for your card number, the last four digits of your Social Security number, and your date of birth. Synchrony uses this information to verify you are the cardholder.
After you verify your identity, you will create a username and password. Your username can be your email address or another name you choose. Your password should be at least eight characters long and include a mix of letters, numbers, and symbols — the stronger your password, the harder it is for someone else to access your account. Write your password down somewhere safe, or use a password manager to store it.
Once your account is created, you can log in anytime by going to mysynchrony.com, entering your username and password, and clicking Log In. If you have a smartphone, you can also read the Mysynchrony mobile app from the Apple App Store or Google Play Store and log in there instead.
Steps to make a one-time payment through Mysynchrony
After you log in, you will see your account dashboard showing your current balance, credit limit, and due date. To make a payment, look for a button or link labeled "Make a Payment" or "Pay Now" — this is usually near the top of the page or in a menu on the left side.
Click that button and you will be asked how much you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Enter the dollar amount you want to send. Next, you will choose where the payment comes from — either a bank account (checking or savings) or a debit card. If this is your first time paying through Mysynchrony, you will need to enter your bank account number and routing number, or your debit card number.
After you enter your payment method, review the information on the screen to make sure the amount and account details are correct. Then click Confirm or Submit. Mysynchrony will show you a confirmation number — write this down or take a screenshot. The payment will post to your account within one business day in most cases, though some payments may take up to two business days depending on when you submit them and your bank's processing schedule.
Setting up automatic payments so you do not have to log in each month
If you want your payment to be sent automatically on the same date each month, you can set up a recurring payment through Mysynchrony. Log in and look for a link or button labeled "Automatic Payments," "Recurring Payments," or "Manage Payments." Click it and select the option to create a new automatic payment.
You will choose the amount you want to pay each month (your full balance, your minimum payment, or a fixed dollar amount), the date you want the payment to go out, and the bank account or debit card you want it to come from. Once you confirm these details, the payment will be sent automatically on that date each month until you cancel it. You can change or cancel an automatic payment anytime by logging back into Mysynchrony and editing your payment settings.
Automatic payments are useful if you want to make sure you never miss a due date, but remember that your balance may change from month to month. If you set up an automatic payment for a fixed dollar amount and your balance is lower than that amount, you will overpay that month. If your balance is higher, you will still owe the difference.
What to do if you forget your password or cannot log in
If you forget your password, go to mysynchrony.com and click the link that says "Forgot Password" or "Forgot Username." You will be asked to enter your card number or email address. Synchrony will send you a link to reset your password — check your email inbox and click the link within a few hours. You will then create a new password and can log in again.
If you do not receive a password reset email, check your spam or junk folder. If the email is not there, or if you are having trouble logging in for another reason, call the customer service number on the back of your card. A representative can help you regain access to your account or answer questions about your payment.
Payment timing and when the money reaches your account
When you make a payment through Mysynchrony, the timing depends on a few things. If you pay from a bank account using the Automated Clearing House (ACH) system, the payment usually posts within one business day. If you pay with a debit card, it may post the same day or within one business day. Payments submitted after 8 p.m. Eastern Time may not process until the next business day.
Keep in mind that your due date is set by Synchrony and does not change based on when you make your payment. If your due date is the 15th of the month and you make a payment on the 20th, the payment will still post, but you may be charged a late fee if your previous balance was not paid by the 15th. To avoid late fees, make sure your payment posts before your due date.
Security and protecting your Mysynchrony account
When you log into Mysynchrony, your information is encrypted, which means it is scrambled so that only Synchrony's servers can read it. This protects your account number and payment information from being intercepted. However, you should still take steps to keep your account safe: never share your password with anyone, do not log in on a public Wi-Fi network if you can avoid it, and log out when you are finished.
If you notice a payment you did not make, or if you think someone else has accessed your account, contact Synchrony when ready by calling the number on your card statement. Synchrony can freeze your account, cancel unauthorized payments, and help you regain control of your account.
Frequently Asked Questions
Can I make a payment through Mysynchrony if I do not have a bank account?
Yes. Mysynchrony accepts payments from debit cards as well as bank accounts. You will need the debit card number, expiration date, and CVV code to process the payment. Some debit cards may charge a fee for this type of transaction, so check with your card issuer first.
What if I pay more than my balance through Mysynchrony?
If you send a payment larger than your current balance, the extra amount will be held as a credit on your account. You can use that credit toward future purchases, or you can request that Synchrony refund the overpayment to your bank account or debit card. Contact customer service to request a refund.
Does Mysynchrony charge a fee to make a payment?
No. Synchrony does not charge a fee for making payments through Mysynchrony, whether you pay from a bank account or debit card. However, your bank or debit card issuer may charge a fee if they consider the transaction a cash advance or special type of transfer — check with your bank to be sure.
Can I see my payment history in Mysynchrony?
Yes. When you log into Mysynchrony, you can view your recent payments and transaction history. Look for a section labeled "Payment History," "Transaction History," or "Account Activity." You can usually filter by date range or payment type to find a specific payment.
What should I do if my payment does not post after two business days?
Contact Synchrony customer service using the number on your card statement. Have your confirmation number ready — this is the number Mysynchrony gave you when you submitted the payment. A representative can look up your payment and tell you where it is in the system or help you resubmit it if something went wrong.