How to Pay Your Floor and Decor Credit Card Bill
Where and how to send your Floor and Decor credit card payment
Floor and Decor issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not to Floor and Decor itself. You can pay online through your Synchrony account, by phone, by mail, or in person at a Floor and Decor store. The fastest route is online—payments post within one business day. By phone, call the number on the back of your card. By mail, send a check to the address printed on your statement. In-store payments are accepted at any Floor and Decor location, though this method is slower than online or phone.
If you set up autopay, Synchrony will deduct your chosen amount on your due date each month. You can pay the full balance, a fixed dollar amount, or the minimum payment. Autopay removes the risk of a late payment, but you still need to monitor your account to catch fraud or billing errors.
Key Takeaways
- Floor and Decor credit card payments go to Synchrony Bank, not Floor and Decor, through their online portal, phone line, or mail.
- Online payments post within one business day and are the fastest way to pay; mail payments take seven to ten business days to reach Synchrony.
- A late payment of 30 days or more will be reported to credit bureaus and will damage your credit score, even if you pay later.
- Autopay prevents missed payments but does not stop interest charges—you still pay interest on any balance you carry month to month.
- If you cannot pay the full balance, paying more than the minimum reduces the total interest you will owe over time.
Setting up autopay and choosing your payment amount
Log into your Synchrony account online or through the Synchrony mobile app. Go to the autopay or recurring payments section and select your Floor and Decor card. Choose the payment date (usually your due date), the payment method (bank account or debit card), and the amount. Synchrony offers three options: pay the full statement balance, pay a fixed dollar amount, or pay the minimum due. Most people choose full balance to avoid interest charges, but if you cannot afford that, a fixed amount higher than the minimum will reduce what you owe faster.
Once autopay is set, Synchrony will pull the payment from your bank account or debit card on the date you chose. If your bank account does not have enough money on that date, the payment will fail and you will be charged a late fee. Check your bank balance before the payment date, or set autopay for a date when you know money will be there.
What happens if you miss a payment or pay late
A payment is late if it arrives after your due date. Synchrony charges a late fee—the amount depends on your account terms, but typically ranges from $25 to $40 for the first late payment. If you are 30 days late, Synchrony reports the late payment to the three credit bureaus (Equifax, Experian, and TransUnion), and it will stay on your credit report for seven years. A 30-day late payment can drop your credit score by 100 points or more, depending on your current score and credit history.
If you miss a payment, contact Synchrony as soon as you realize it. Some cardholders can negotiate a one-time late fee waiver if they have a good payment history, though Synchrony is not required to grant one. The sooner you pay, the less damage to your credit score. A payment that is 29 days late will not be reported to credit bureaus, but a payment that is 30 days late will be, even if you pay the next day.
How interest charges work on your Floor and Decor card
The Floor and Decor credit card charges interest on any balance you carry from month to month. The interest rate (called the APR, or annual percentage rate) varies by person and is based on your credit score and credit history. Synchrony will tell you your APR when you open the account and on every statement. If you pay your full statement balance by the due date, you will not be charged interest that month—most credit cards offer an interest-free period between when you make a purchase and when interest starts accruing.
If you carry a balance, interest is calculated daily on the amount you owe. The longer you carry the balance, the more interest you pay. For example, a $1,000 balance at 20% APR costs about $17 per month in interest if you make no payments. Paying more than the minimum each month reduces the balance faster and saves you money on interest. Use an online calculator to see how long it will take to pay off your balance at different payment amounts.
Paying your bill by mail or phone
To pay by mail, write a check to Synchrony Bank and include your account number on the check. Mail it to the address shown on your statement under "Payment Address"—this address is different from the customer service address. Mail payments typically take seven to ten business days to post, so send your payment at least ten days before your due date to avoid a late fee. Include only the check; do not send cash or a money order through the mail.
To pay by phone, call the number on the back of your Floor and Decor card. A representative will ask for your account number and the amount you want to pay, then guide you through entering your bank account or debit card information. Phone payments post within one business day. You can also set up a one-time phone payment without calling—some cardholders use the Synchrony website to schedule a payment for a specific date.
Paying in person at a Floor and Decor store
Floor and Decor locations accept credit card payments at the register, but this method is not the fastest way to pay your bill. When you pay in person, the store collects your payment and sends it to Synchrony, which adds processing time. Your payment may not post for five to seven business days. Use in-person payment only if you cannot pay online, by phone, or by mail, or if you are already at the store and want to make a quick payment.
Bring your credit card or account number and the amount you want to pay. The store will provide a receipt showing the payment was received, but this receipt is not proof that Synchrony has posted the payment to your account. Check your Synchrony account online within a week to confirm the payment posted.
Disputing a charge or payment issue on your Floor and Decor card
If you see a charge on your statement that you did not make, or if a payment posted incorrectly, contact Synchrony within 60 days of the statement date. Call the number on the back of your card or log into your online account and use the dispute tool. Synchrony will ask you to describe the problem and may request documentation—for example, a receipt showing a different amount, or proof that you returned an item.
While Synchrony investigates, the disputed amount will not be removed from your balance, but you are not required to pay it. If Synchrony finds in your favor, the charge will be removed and your balance will be corrected. If Synchrony finds against you, you will owe the full amount plus any interest that accrued while the dispute was open. The investigation typically takes 30 to 60 days.
Frequently Asked Questions
Can I pay my Floor and Decor credit card bill with another credit card?
No. Synchrony does not accept credit card payments for credit card bills. You can pay only with a bank account, debit card, check, or cash (in person). Paying a credit card with another credit card through a third-party service counts as a cash advance and charges a high fee plus interest from day one.
What if I pay online but the payment does not show up in my account?
Online payments usually post within one business day. If more than one business day has passed and the payment is not showing, log into your Synchrony account and check the payment status. If the status says "pending," wait one more day. If it says "failed," your bank account may not have had enough money, or there was a technical error. Contact Synchrony to confirm the payment was received and to resubmit if needed.
Do I have to pay the full balance to avoid late fees?
No. You must pay at least the minimum amount by the due date to avoid a late fee. However, paying only the minimum means you will be charged interest on the remaining balance. Paying more than the minimum reduces your balance faster and saves you money on interest over time.
Can Synchrony take money from my bank account without permission?
Only if you set up autopay and authorized the payment. Synchrony cannot deduct money from your account without your written consent. If you see an unauthorized debit, contact your bank immediately and report it as fraud. Your bank can reverse the transaction and investigate.
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement closed—usually the last day of the month. Your current balance includes new charges you have made since the statement closed. If you pay your full statement balance by the due date, you will not be charged interest on those purchases. New charges made after the statement closed will appear on your next statement.