How to Pay Your Cardi’s Credit Card Bill

If you have a Cardi’s credit card from Synchrony Bank, you’ll receive a monthly statement detailing your balance and minimum payment due. It’s important to pay your Cardi’s credit card on time each month to avoid late fees and interest charges. In this article, I’ll explain the easiest ways to pay your Cardi’s credit card bill.

Log In to Your Account

To pay your Cardi’s credit card online first log into your Synchrony Bank account. Go to www.synchrony.com and click on “Log In” in the top right corner.

Enter your username and password to access your account dashboard. Here you can view your recent activity, current balance, available credit and more.

If you don’t already have an online account, you can easily register your Cardi’s credit card on the Synchrony website Just have your card number handy.

Check Your Balance

Once logged in, you’ll see your current balance listed at the top of the page. Click “Statements & Activity” to view your full monthly statement.

Review the transactions, interest charges, fees and balance details. Make sure there aren’t any fraudulent or incorrect charges. Understanding your monthly statement is key to paying the right amount.

Know Your Minimum Payment

Your Cardi’s statement will list the minimum payment you must pay by the due date. This includes a portion of the balance plus any past due amounts.

While you should always strive to pay more than the minimum, making at least the minimum monthly payment by the due date prevents late fees andcredit damage.

Select a Payment Method

Synchrony offers three ways to pay your Cardi’s credit card bill:

• Online – Pay instantly by debit card, credit card or bank transfer
• By Phone – Use Synchrony’s automated system or speak to a representative
• By Mail – Send a physical check or money order

Paying online is the fastest and most convenient option. Phone and mail payments work too but take longer to process.

Pay Online

To pay online, click on “Make a Payment” from your Synchrony account dashboard. Select if you want to pay the minimum amount, statement balance or a custom amount.

Then enter your payment info including debit/credit card details or bank account and routing numbers. Review the payment details carefully before submitting.

Online payments are instantly processed and reflected in your account. You’ll receive an emailed receipt as confirmation. Pay by 11:59 pm EST for same-day credit.

Pay by Phone

To pay by phone, call Synchrony at 1-855-697-0311. Follow the prompts to enter your Cardi’s account number and payment amount.

You’ll need to provide your debit/credit card information or bank account details. Writing down the confirmation number at the end ensures the payment is applied properly.

Phone payments made by 9 pm EST on weekdays are processed same day. Payments after 9 pm or on weekends are processed the next business day.

Pay by Mail

If you prefer to mail a payment, detach the payment coupon from your paper statement and enclose it with your check or money order. Make sure your account number is written on the payment.

Mail your payment to:

Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

Allow 5-7 days for mailed payments to reach Synchrony and be applied to your account to avoid late fees. Always mail at least a week before your due date.

Schedule Automatic Payments

For worry-free payments, enroll in autopay through your Synchrony account. Log in online and click on “AutoPay” under “Account Services.”

Select to automatically pay either your minimum amount due, full statement balance or a fixed amount each month on your due date. Provide your bank account information for withdrawals.

With autopay, your Cardi’s credit card gets paid on time without you having to remember. You can cancel or edit autopay anytime.

Avoid Late Fees

Your Cardi’s credit card payment is due on the same date each month indicated on your statement. The specific due date depends on when your billing cycle ends.

If your minimum payment is not received by the due date, you’ll incur a late fee up to $29. Late payments also result in interest charges on your balance.

Pay on time consistently to maintain your good credit score. Online and autopay provide the most reliable on-time payment methods.

Get Payment Alerts

Enabling payment alerts through your Synchrony account provides an extra reminder when your Cardi’s bill is due. Log in online and click “Alerts” under “Account Services.”

Choose to receive payment due alerts by email, text or both. These alerts give you a heads up a few days before your due date, so you don’t miss it.

Digitize Your Wallet

Once you’ve paid your bill, access your Cardi’s credit card digits anytime in the Synchrony mobile app. Add your card to your digital wallet for easy tapping and contactless payments.

The Synchrony app also allows you to monitor your account, make payments and set up alerts from anywhere. Paying on your phone is secure, fast and simple.