Where to find your Penney's credit card payment login
Penney's credit card payments are managed through Synchrony Bank, which handles the account behind the scenes. You do not log in through Penney's itself — you log in directly to Synchrony's website or mobile app, where your Penney's card account lives alongside any other Synchrony cards you may have.
Go to mysynchrony.com to access your account online, or read the Synchrony mobile app from your phone's app store. Both routes take you to the same account dashboard. If you have never logged in before, you will need to set up your username and password first, which takes about five minutes.
You can also call Synchrony's customer service line at the number on the back of your Penney's card to make a payment by phone without logging in at all. This route is slower but requires no password to remember.
Key Takeaways
- Your Penney's credit card account is managed by Synchrony Bank, so you log in at mysynchrony.com or through the Synchrony mobile app, not through Penney's website.
- First-time users must create a username and password before they can view their balance or make a payment online.
- You can pay by phone by calling the number on your card's back, which avoids the need to remember a login.
- Online and app payments typically post within one business day, while phone payments may take slightly longer depending on when you call.
- You can set up automatic monthly payments so the same amount withdraws from your bank account on the same day each month.
Setting up your Synchrony login for the first time
When you visit mysynchrony.com for the first time, click "Enroll Now" or "New User" — the exact wording changes occasionally, but the button is always near the login fields. You will be asked for your Penney's 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 verification, you create your own username and password. Your username can be an email address or any text you choose; your password must be at least eight characters and include uppercase letters, lowercase letters, and numbers. Write this password down somewhere safe, or use your phone's password manager to store it — you will need it every time you log in.
Once your account is set up, you can log in when ready. Your dashboard will show your current balance, credit limit, recent transactions, and due date. From here, you can make a one-time payment or set up recurring payments.
Making a one-time payment online
After logging in, look for a button labeled "Make a Payment" or "Pay Now" — it is usually near the top of your account page. Click it, and you will see a form asking how much you want to pay and where the money should come from.
You can pay from a checking account, savings account, or debit card. If you are paying from a bank account, have your routing number and account number ready — you can find these on a check or by logging into your bank's website. If you are paying with a debit card, you will need the card number, expiration date, and CVV.
Enter the payment amount and choose your payment date. Synchrony allows you to schedule a payment up to 30 days in advance, which is useful if you want to time it with a paycheck. The payment will post to your account within one business day if you schedule it for today, or on the date you choose if you schedule it ahead.
Setting up automatic monthly payments
If you want the same amount to withdraw from your bank account automatically each month, set up an autopay arrangement instead of making one-time payments. From your Synchrony dashboard, find the "Autopay" or "Automatic Payments" section — it is usually under account settings or in the payments area.
Choose whether you want to pay a fixed dollar amount each month (for example, $150) or your full statement balance. If you choose a fixed amount, make sure it is at least your minimum payment, or your account will fall behind. If you choose to pay your full balance, Synchrony will withdraw whatever you owe on the date you select each month.
You will need to provide your bank account information and choose the day of the month when the payment should withdraw. Most people choose a date shortly after they get paid. Once autopay is set up, you can change or cancel it anytime from the same settings page.
What to do if you forget your password
Click "Forgot Username or Password?" on the Synchrony login page. You will be asked to enter your card number and the last four digits of your Social Security number. Synchrony will send a password reset link to the email address on file, usually within a few minutes.
Click the link in that email and create a new password. The link expires after 24 hours, so if you do not use it right away, you will need to request another one. If you do not receive the email, check your spam folder — sometimes password reset emails get filtered there by mistake.
If you cannot remember your username either, the "Forgot Username or Password?" page will help you recover that too. You may also call Synchrony customer service at the number on your card to reset your password over the phone.
Paying by phone if you do not want to log in online
Call the customer service number on the back of your Penney's card. A representative will ask for your card number and the last four digits of your Social Security number to verify your identity. Once verified, tell them you want to make a payment.
You will need to provide the payment amount and the bank account or debit card you want to pay from. Have your routing number and account number ready if you are paying from a bank account, or your debit card number if you are paying with a card. The representative will confirm the payment details and tell you when the money will post.
Phone payments typically post within one to two business days. This route takes longer than online or app payments, but it avoids the need to remember a login or navigate a website.
Troubleshooting common login and payment problems
If you see an error message saying "Invalid username or password," double-check that you are typing your username and password exactly as you created them — they are case-sensitive, meaning capital letters matter. If you are still locked out after three failed attempts, Synchrony will temporarily freeze your login for security. Wait 30 minutes and try again, or use the "Forgot Password" link to reset it.
If your payment shows as "pending" for more than two business days, log back into your account and check the payment status. Pending payments usually post overnight, but if it has been longer, call Synchrony to confirm the payment went through. If your payment was rejected because of insufficient funds in your bank account or an expired debit card, you will see an error message on the payment confirmation page — fix the payment method and try again.
If you see a message that your account is locked or frozen, it usually means Synchrony detected unusual activity and locked it for your protection. Call the number on your card to unlock it — this typically takes a few minutes on the phone.
Frequently Asked Questions
Can I pay my Penney's card through the Penney's website or app?
No. Penney's does not process payments directly. Your card is managed by Synchrony Bank, so you must log in to mysynchrony.com or the Synchrony app to pay. You can shop at Penney's through their website or app, but payments go through Synchrony only.
What happens if I pay late?
Your payment is considered late if it posts after your due date. Late payments trigger a late fee (the amount varies by your card terms) and may raise your interest rate. Your credit report will show a late payment if it is 30 or more days past due. Pay as soon as you realize you are behind — even a late payment stops further damage.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
How long does it take for a payment to show up in my account?
Online and app payments typically post within one business day. Phone payments may take one to two business days. Payments scheduled for a future date will post on that date. Weekends and holidays do not count as business days, so a payment made on Friday may not post until Monday.
What if I want to dispute a charge on my Penney's card?
Log into your Synchrony account, find the transaction you want to dispute, and look for a "Report Dispute" or "Challenge This Transaction" button next to it. You can also call Synchrony at the number on your card. Have the transaction date and amount ready. Synchrony will investigate and contact you within 10 business days.