The Amazon Store Card is a credit card offered by Synchrony Bank in partnership with Amazon. It can only be used on Amazon.com and offers financing options and rewards points on Amazon purchases. A common question for Amazon Store Card holders is where to send their monthly payments. There are a few options for making payments on the Amazon Store Card which will be covered in this 5000 word article.
Payment Options
There are three main ways to make payments on the Amazon Store Card:
Online
The easiest way to pay the Amazon Store Card is online through Synchrony Bank’s website. Cardholders can set up one-time payments or recurring automatic payments to be drafted from their checking account. Here are the steps to make an online payment:
- Go to synchronybank.com and log into your account
- Under “Account Summary” click on the Amazon Store Card account
- Click on “Make a Payment”
- Enter the payment amount and payment date
- Enter your checking account information
- Review payment details and submit
Online payments are typically processed immediately or within 1 business day. The available balance on the card will reflect faster than mailed payments. Setting up automatic payments can help avoid missed or late payments.
Phone
Calling Synchrony Bank’s customer service number is another way to make an Amazon Store Card payment. The steps are:
- Call Synchrony Bank at 1-866-634-8379. This number is on the back of your card.
- Provide your 16-digit account number and other verification details like your name, address, and social security number.
- Let the agent know you want to make a payment. Specify the payment amount and date.
- Provide your debit or credit card information. The payment will be taken from the provided account.
- Get a confirmation number for your records.
Payments can be made 24/7 via the automated system or during customer service hours by speaking to a live agent. Processing times are usually 1-2 business days.
Sending a physical check or money order is the most traditional payment method. Here is how to mail a payment:
- Write the payment check or money order to Synchrony Bank including your 16-digit account number.
- Print your name and account number in the memo line.
- Mail the payment to:
Synchrony Bank
P.O. Box 965004
Orlando, FL 32896-5004 - Allow 5-7 business days for the mailed payment to process.
One downside to mailing payments is the slower processing time. Make sure to account for mailing and processing time before the due date.
Payment Addresses
In addition to the standard mailing address above, Synchrony Bank has a specific payment address for expedited check processing:
Synchrony Bank
P.O. Box 105972
Atlanta, GA 30348-5972
Payments sent to this address by overnight or express mail can potentially be processed faster than regular mail.
There is also an option to send certified checks or money orders to a physical Synchrony Bank location for same day processing:
Synchrony Bank
170 W Election Road
Draper, UT 84020
Payments must be received on weekdays before 2pm local time to be applied same day. This location is best for rush payments needed to avoid late fees or interest charges.
Other Payment Tips
Here are some other tips and best practices when making Amazon Store Card payments:
- Schedule recurring payments for a set date each month to avoid missed payments.
- Pay more than the minimum amount due to reduce interest charges.
- Provide payment confirmation numbers to Synchrony Bank upon request.
- Call customer service if you need to discuss payment issues or request extensions.
- Update account information if your mailing address, phone number, or banking details change.
- Consider signing up for e-statements to get notifications when bills are ready.
- Avoid account balances getting too close to the credit limit.
Setting payment reminders and staying organized with billing statements can prevent headaches. Contact Synchrony Bank to learn about enrollment in hardship programs if you foresee trouble making payments in the future due to financial hardship.
Payment History
It is advisable to keep records of Amazon Store Card payments for reference. In the event of errors or disputes, payment history documentation helps support your case.
Save paper statements, printed payment confirmations, bank records for drafted payments, check copies, etc. Payment verification comes in handy if issues arise down the road.
You can also view past payments online by logging into your Synchrony Bank account. The “Statements” section shows monthly statements detailing transaction and payment history for the last 18 months. If you need older records, contact customer service to request statement copies.
Failed Payments
If an attempted payment fails due to insufficient funds or other issues, you will need to correct it promptly. Leaving a failed payment outstanding can lead to late fees, interest charges, and credit damage.
If Synchrony Bank is unable to process an automatic draft payment, they will usually try again within a few days. Alternatively, you can proactively initiate a new payment. Be sure the source account has sufficient funds before submitting additional payments.
For mailed payments returned due to non-sufficient funds or invalid account numbers, expect a phone call requesting updated details. Provide valid account information to resolve returned checks or money orders. Synchrony may require certified funds after a certain number of returned items.
Call customer service if a payment fails due to technical problems on Synchrony’s end. They can research what happened and provide next steps. Be ready to initiate a new payment once any system issues are resolved.
Late Payments
As with any credit card, it is imperative to avoid late payments on the Amazon Store Card. Payments are due on the same date each month shown on your statement.
Payments received after the due date are considered late and will trigger fees and penalty APR:
- Late Fee – Up to $39
- Penalty APR – Prime + 25.99%
The Penalty APR applies if you are over 60 days late and will make the card much more expensive to carry a balance. Late fees and high interest rates quickly add up, so stay on top of payment due dates.
If an on-time payment cannot be made occasionally due to financial hardship, call Synchrony Bank right away to discuss options. The bank may be able to grant extensions, waive fees, or arrange alternative payment plans in certain situations. Let them know before you miss the due date.
Payment Allocation
Any payment amount above the minimum due is applied based on highest APR balances first. Here is how extra payments are allocated:
- Pending Purchases
- High Rate Promotional Balances
- Standard Purchases
- Low Rate Promotional Balances
Therefore, the best strategy is to pay more than the minimum whenever possible to pay down high interest balances faster. Try to pay off entire promotional balances so they do not revert to the standard rate.
Only the minimum due is required to keep the account in good standing. However, minimum payments consist mostly of interest and take longer to pay off balances. Pay down balances quicker and save on interest charges by increasing payments.
Change Payment Due Date
If needed, the monthly payment due date can be changed to better align with your pay schedule or cash flow. Contact Synchrony Bank to request a new due date.
Here are some key points about changing the due date:
- The due date can only be changed once per year.
- It must be set between the 2nd and 28th of the month.
- You cannot choose the 29th, 30th, or 31st since not all months have those dates.
- The first payment after the change will be larger as it covers the period between due dates.
- Future statements will show the revised due date.
Request a due date change well in advance of when you need it to go into effect. Make the next payment by the old due date before the new due date kicks in. Avoid making late payments due to the transition.
Lost Payment
If a mailed payment does not get applied to your account, it may be lost or delayed. Contact Synchrony Bank right away about any missing payments.
Provide details like the payment date, amount, and check number that was sent. The bank can investigate what might have happened to the payment. Ask them to waive late fees and interest during the search.
You may need to place a payment stop on the original check in case it is still outstanding. Be prepared to submit a replacement payment if the original check cannot be located. Never assume a lost payment will eventually surface – take action quickly.
To avoid lost payments going forward, consider electronic payments or get delivery confirmation for mailed payments. Notify the bank promptly whenever expected payments are not showing on your account.
Incorrect Payment Amount
It is essential to verify payment amounts before submitting to avoid overpaying or underpaying your account. Contact Synchrony Bank as soon as possible if you discover an error.
For underpayment, ask if they can waive late fees since the error was accidental. You will need to make up the shortfall with an additional payment. Get confirmation that your account is now current.
For overpayment, the excess amount can be refunded or remain as a credit on your account. Choose whichever option works best based on your situation. Moving forward, double check payment amounts match your intended figures.
Review payments right after submitting for accuracy, especially for online or phoned payments. This helps catch any mistaken amounts while still fresh.
Refund Overpayment
If you paid more than required by mistake, you can request to have the overage amount refunded back. Contact Synchrony Bank to start the refund process.
You will need to confirm the following:
- Payment date and amount
- Amount that was overpaid
- Where to send the refund (bank account or card)
Note it can take up to 10 business days for refunds to be investigated, approved, and processed. Expedited refunds may be possible in some cases. Monitor your account to ensure the overpayment is credited back properly.
Moving forward, take care when entering payment figures online or speaking amounts aloud over the phone. Doublecheck accounts and amounts to catch errors beforehand.
Synchrony Bank Contact
If any payment issues arise with your Amazon Store Card, Synchrony Bank’s customer service team can help:
- Phone: 1-866-634-8379
- Online: synchronybank.com
- Mail: PO Box 965015, Orlando, FL 32896-5015
Check account statements for the most up-to-date contact information. Reach out with any payment questions or concerns. Some common reasons to contact the bank include:
- Payment due date change requests
- Payment amount adjustments
- Missed, lost, or late payments
- Payment extensions or hardship programs
- Closed or invalid accounts
- Suspected fraud or unauthorized charges
Having the account number, payment details, and statement handy when calling speeds service. You can also log in online for assistance through the website’s live chat or message center.
Conclusion
Keeping the Amazon Store Card in good standing requires making timely monthly payments. With three options – online, phone, and mail – paying the bill is convenient. Set up automatic payments to avoid ever missing a due date. Note the proper remittance addresses and allow adequate processing time, especially for mailed payments. Keep payment records and promptly contact Synchrony Bank regarding any issues like lost or incorrect payments. Responsible account management prevents problems and ensures smooth financing through the Amazon Store Card program.
