How to Pay Your Scheels Credit Card Bill
Where and how to pay your Scheels card
Scheels credit card payments go to Synchrony Bank, which handles the account on behalf of Scheels. You can pay online through your Synchrony account, by phone, by mail, or in person at a Scheels store. The fastest and most direct route is logging into your Synchrony account at synchronybank.com or through the Synchrony mobile app — both show your balance, due date, and payment history in real time.
If you prefer to call, Synchrony's customer service number is on the back of your card. A representative can process a payment over the phone using your bank account or debit card. Payments made online or by phone typically post within one business day, though Synchrony may take up to two business days depending on the time you submit.
Mailing a check is slower but still an option. Your payment coupon (included with your statement) shows the mailing address. Mail payments should arrive at least seven to ten days before your due date to be safe, since postal delays can push the arrival date beyond when Synchrony receives it.
Key Takeaways
- Synchrony Bank processes all Scheels credit card payments, and you can pay online, by phone, by mail, or at a Scheels store location.
- Online and phone payments post within one to two business days, while mailed checks need seven to ten days to arrive safely before your due date.
- Your Synchrony account shows your exact balance, due date, and minimum payment, and you can set up automatic payments to avoid missing a due date.
- Late payments trigger a fee and can raise your interest rate, so paying by the due date shown on your statement protects your account.
- If you cannot pay the full balance, paying at least the minimum by the due date keeps your account in good standing.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to the payments section, and select "Set up automatic payment." You choose the amount (minimum payment, full balance, or a fixed dollar amount), the day of the month it should process, and the bank account it should draw from.
Most people set automatic payments for the full balance on the due date, which means no interest charges and no late fees. If you prefer to pay a fixed amount each month, you can do that too — just make sure it covers at least the minimum payment by the due date, or your account will still be reported as late.
You can change or cancel automatic payments anytime through your Synchrony account. If you cancel, you are responsible for making manual payments on time.
What happens if you miss a payment
A payment is considered late if it does not arrive by 11:59 p.m. on your due date. Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and reports the late payment to credit bureaus after 30 days. A single late payment can lower your credit score by 100 points or more, depending on your 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 the account is otherwise in good standing and the payment is only a few days late. The sooner you call, the better your chances. Your card's interest rate may also increase — Synchrony can raise your APR if you are 60 days or more behind, though some accounts see a rate increase after just one late payment.
Paying the missed amount immediately stops additional late fees from accruing, but the damage to your credit report is already done. The late payment stays on your credit report for seven years.
Understanding your statement and due date
Your Scheels card statement arrives monthly and shows your opening balance, all purchases and payments made during the billing cycle, your closing balance, your minimum payment, and your due date. The due date is always the same day each month — for example, the 15th or the 25th. Synchrony counts a payment as received on the date it posts to your account, not the date you submit it.
Your minimum payment is the smallest amount Synchrony will accept to keep your account current. It is usually 1 to 3 percent of your balance plus any fees and interest. Paying only the minimum means you carry the rest of the balance forward and pay interest on it next month. If you want to avoid interest, pay your full closing balance by the due date.
If your due date falls on a weekend or holiday, Synchrony extends the deadline to the next business day. Check your statement or account to confirm your specific due date, since it can vary by cardholder.
Payment methods and timing
| Payment Method | How to Use | When It Posts |
|---|---|---|
| Online (Synchrony website or app) | Log in, select "Make a Payment," enter amount and bank account | 1 to 2 business days |
| Phone | Call the number on your card and speak to a representative | 1 to 2 business days |
| Send a check with your payment coupon to the address on your statement | 7 to 10 days (allow extra time for postal delays) | |
| In-store at Scheels | Visit a Scheels location and ask about payment options at customer service | Varies; confirm timing with store staff |
Online and phone payments are the most reliable because they post quickly and you receive immediate confirmation. If you are cutting it close to your due date, avoid mailing a check — the postal system can delay it beyond your deadline, triggering a late fee even though you sent it on time.
Interest rates and how they affect your payment
Your Scheels card carries an interest rate (APR) that Synchrony sets based on your credit score and payment history. The APR is applied only to balances you carry from month to month. If you pay your full closing balance by the due date, no interest is charged, even if you made large purchases during the billing cycle.
If you carry a balance, interest is calculated daily on the unpaid amount. For example, if your APR is 24 percent and your balance is $1,000, you owe roughly $20 in interest per month (though the exact amount depends on the number of days in the billing cycle). The longer you carry a balance, the more interest you pay. Paying more than the minimum each month reduces the balance faster and saves you money on interest.
A late payment or missed payment can trigger a penalty APR, which is higher than your regular rate. Synchrony may apply this for six months or longer, depending on how late the payment is. Once you have made six consecutive on-time payments, Synchrony may lower your rate back to the regular APR, but this is not may provide.
Frequently Asked Questions
Can I pay my Scheels card at a Scheels store?
Some Scheels locations accept in-store payments, but this is not available at all stores. Call your local Scheels or ask at the customer service desk to confirm. If your store does not offer this, paying online or by phone is faster and more reliable.
What if I pay late but before my next statement closes?
Synchrony reports the late payment to credit bureaus 30 days after the due date passes. If you pay within those 30 days, the payment stops additional fees, but the late payment is still reported. Paying after 30 days have passed means the late payment is already on your credit report.
Can I set up a payment for a future date?
Yes. When you make a payment online or by phone, you can schedule it for a specific date up to several days in advance. This is useful if you want to ensure payment posts on a particular day. Just make sure the date you choose is on or before your due date.
What if I do not receive my statement?
Log into your Synchrony account online to view your statement and due date. You can also call Synchrony to confirm your balance and due date. Statements are usually mailed 21 days before the due date, but you should not rely on receiving it by mail to know when to pay.
Does paying early help my credit score?
Paying early does not hurt your credit, but it does not boost it either. Credit scores are based on payment history (whether you pay on time), credit utilization (how much of your limit you use), and other factors — not on how early you pay. Paying by the due date is what matters for your credit.