How to Pay Your Boot Barn Credit Card Bill
Where and how to send your Boot Barn credit card payment
Boot Barn issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Boot Barn itself. You can pay online through your Synchrony account, by phone, by mail, or in person at a Boot Barn store. The online method is fastest and leaves a record you can see immediately.
To pay online, log into your Synchrony account at mysynchrony.com or use the Synchrony mobile app. You'll see your Boot Barn card balance and can choose to pay the full amount, the minimum payment, or any amount in between. The payment posts within one business day when you pay from a bank account (ACH transfer). Credit or debit card payments through Synchrony's website typically cost a fee, so stick with bank account transfers.
If you prefer phone payments, call the number on the back of your card. A representative will walk you through the payment and can answer questions about your balance or due date. Phone payments also post within one business day.
Key Takeaways
- Your Boot Barn credit card is issued by Synchrony Bank, so you send payments to Synchrony, not to Boot Barn.
- Online payment through mysynchrony.com or the Synchrony app is the fastest method and leaves an immediate record of your payment.
- Payments from a bank account post within one business day; paying by credit or debit card through Synchrony's website incurs a fee.
- Your payment due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
- Late payments trigger fees and can lower your credit score, so set a calendar reminder if your due date is easy to miss.
Payment due dates and what happens if you miss one
Your payment due date is printed on your monthly statement and typically falls on the same day each month. Synchrony considers a payment late if it arrives after 5 p.m. Eastern Time on the due date. If you miss the due date, Synchrony charges a late fee (the amount varies but is usually $25 to $40 for the first late payment) and reports the late payment to the credit bureaus.
A single late payment can lower your credit score by 30 to 100 points depending on your current score and credit history. The damage is worst in the first 30 days after the missed due date. If you're more than 30 days late, Synchrony may freeze your account and stop allowing new charges. After 60 days late, the card issuer may close your account entirely.
If you realize you'll miss a due date, call Synchrony before the date passes. Representatives sometimes waive a single late fee if you have a clean payment history, though they're not required to. Asking costs nothing and may save you $25 to $40.
Automatic payments and how to set them up
Setting up automatic payments removes the risk of forgetting your due date. Log into mysynchrony.com, go to the "Payments" section, and select "Set up automatic payments." You can choose to pay the full balance, the minimum payment, or a fixed amount each month. The payment will pull from your bank account on the date you choose.
Most people set automatic payments for the due date shown on their statement, but you can pick any date that works for your budget. If you choose a date before your due date, the payment will post early and reduce the interest you owe. If you choose a date after the due date, you'll be late and will incur fees and credit damage.
You can change or cancel automatic payments anytime through your Synchrony account. If you cancel, write down your new due date so you don't forget to pay manually. Automatic payments are free and take the same one business day to post as manual payments.
Interest charges and how to avoid them
The Boot Barn credit card carries an interest rate that varies based on your creditworthiness. Synchrony reports this rate as an APR (annual percentage rate). You can find your current APR on your statement or in your account online. The rate is usually between 18% and 28%, though it can be higher or lower.
Interest only charges if you carry a balance—that is, if you don't pay your full statement balance by the due date. If you pay the full balance every month, no interest charges at all. If you pay only the minimum or a partial amount, interest accrues on the remaining balance at your APR, compounded daily. On a $1,000 balance at 24% APR, you'd owe roughly $20 in interest the first month alone.
The fastest way to stop interest from growing is to pay more than the minimum. Even an extra $50 per month cuts the time to pay off a balance and reduces the total interest you'll pay. If you're carrying a large balance, ask Synchrony whether you may have access to for a promotional 0% APR period—some cardholders receive these offers, though they're not may provide.
What to do if you can't pay your full balance
If you're short on cash, paying the minimum keeps your account in good standing and avoids late fees. The minimum is usually 1% to 3% of your balance plus any interest and fees owed. You can find the exact minimum on your statement or in your online account.
Paying only the minimum means interest will accrue and your balance will grow, but it's better than missing the due date entirely. Once your cash flow improves, increase your payments to pay down the balance faster and reduce interest charges.
If you're struggling to pay even the minimum, contact Synchrony before your due date. Explain your situation honestly. Synchrony has hardship programs that may lower your interest rate temporarily or pause payments for a month or two. These programs don't erase what you owe, but they can make payments manageable while you get back on your feet. Synchrony is more likely to work with you if you call before you miss a payment than after.
In-store payments at Boot Barn locations
You can walk into any Boot Barn store and make a payment on your Boot Barn credit card at the register. Tell the cashier you want to make a credit card payment and provide your card number or the card itself. The store will process the payment and give you a receipt showing the amount paid and the date.
In-store payments are useful if you're already shopping or prefer to pay in person. However, they take longer to post to your account than online or phone payments—usually three to five business days instead of one. If your due date is within a few days, don't rely on an in-store payment. Use online or phone payment instead to ensure it posts on time.
Frequently Asked Questions
What if I pay online but the payment doesn't show up by the due date?
Online payments from a bank account post within one business day, so if you pay by 5 p.m. Eastern Time on the due date, it should post the next day. However, if you pay on a weekend or holiday, the posting may be delayed. To be safe, pay at least two business days before your due date. If a payment doesn't post within two business days, call Synchrony to confirm it was received.
Can I pay my Boot Barn card with a credit card or debit card?
Yes, but Synchrony charges a fee (usually 2% to 3% of the payment amount) when you pay with a credit or debit card through their website or phone line. Paying from a bank account is free. If you must use a card, the fee is still cheaper than a late payment fee or interest charges.
Does paying in full every month help my credit score?
Yes. Paying in full by the due date shows lenders you can manage credit responsibly. It also keeps your credit utilization low (the amount of your credit limit you're using), which is a major factor in credit scoring. Over time, consistent on-time payments build a stronger credit history.
What happens if I move and don't get my statement?
Update your address with Synchrony as soon as you move. Log into mysynchrony.com, go to "Account Settings," and update your mailing address. You can also set up paperless statements so you receive your bill by email instead. If you miss a statement, you can still see your balance and due date online anytime.
Can I pay more than one month's payment in advance?
Yes. You can pay any amount at any time. If you pay more than your current balance, the extra amount becomes a credit on your account. You can use that credit toward future purchases or request a refund. Paying in advance doesn't hurt, but it's not necessary unless you want to build a buffer.