How to Pay a Montgomery Ward Credit Card Bill Online
Montgomery Ward payment options and where to send money
Montgomery Ward stopped operating retail stores in 2001, but the Montgomery Ward credit card still exists as a Synchrony Bank product. If you hold a Montgomery Ward card, you pay the bill through Synchrony's payment system, not through a Montgomery Ward website. The card itself may say "Montgomery Ward" on the front, but Synchrony Bank owns and manages the account behind it.
You can pay your Montgomery Ward credit card bill online through Synchrony's customer portal, by phone, by mail, or through automatic payments. Each method has different timing and confirmation steps, so knowing which one fits your situation matters for avoiding late fees.
Key Takeaways
- Montgomery Ward credit cards are managed by Synchrony Bank, so you log in through Synchrony's website or app, not a Montgomery Ward domain.
- Online payments through Synchrony typically post within one business day, but you should submit them at least two days before your due date to be safe.
- You can set up automatic payments (ACH transfers) from your bank account to avoid missing a due date, and you can choose to pay the full balance or a minimum amount.
- If you cannot find your account online, call the customer service number on the back of your card to confirm your account is active and get the correct login link.
- Late payments on credit cards report to credit bureaus and trigger fees, so paying on time matters even if you can only pay the minimum.
Logging in to pay online through Synchrony
Go to mysynchrony.com to access your Montgomery Ward credit card account. Enter your username and password. If you have never logged in before, you will need to create an account first — Synchrony will ask for your card number, Social Security number, and date of birth to verify your identity.
Once you are logged in, select your Montgomery Ward card from the list of accounts (if you have multiple Synchrony cards). Click "Make a Payment" or "Pay Now" — the exact wording varies depending on whether you are using the website or the mobile app. You will then choose the payment amount, the payment method (bank account or debit card), and the date you want the payment to post.
Synchrony also offers a mobile app called "Synchrony" that works the same way. You can download it from the Apple App Store or Google Play, log in with the same credentials, and make payments directly from your phone.
How long payments take to post and when to submit them
Online payments made through Synchrony typically post to your account within one business day. A business day is Monday through Friday, excluding federal holidays. If you submit a payment on Friday evening, it may not post until Monday or Tuesday.
Your due date is printed on your monthly statement. To be safe, submit your payment at least two business days before the due date. This gives Synchrony time to process it and protects you if there is a delay. If your due date falls on a weekend or holiday, Synchrony will not mark you late if the payment posts on the next business day, but do not rely on this — submit early instead.
If you are paying by mail, allow 7 to 10 business days for the check to arrive and post. Mail payments are slower and riskier, so online or automatic payments are better if you have a tight deadline.
Setting up automatic payments so you never miss a due date
Automatic payments (also called autopay or recurring payments) pull money from your bank account on a date you choose each month. Log in to mysynchrony.com, find the autopay or recurring payment section, and enter your bank account number and routing number. Synchrony will ask whether you want to pay the full balance, a fixed dollar amount, or the minimum payment.
Choosing "full balance" means Synchrony will withdraw whatever you owe on the payment date each month. Choosing a fixed amount (like $100) means the same amount comes out every month, which is useful if you want to pay down the card steadily. Choosing "minimum payment" means you will pay the least required, which keeps you out of default but costs more in interest over time.
You can change or cancel automatic payments anytime through your Synchrony account. If you cancel, you are responsible for making manual payments yourself — Synchrony will not remind you. Set a phone alarm or calendar reminder on the due date if you do not use autopay.
Paying by phone or mail if you cannot pay online
To pay by phone, call the customer service number on the back of your Montgomery Ward card. A representative will ask for your account number and the payment amount, then walk you through providing your bank account or debit card information. Phone payments typically post within one business day, the same as online payments.
To pay by mail, write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address printed on your statement under "Payment Address" — this address is different from the general customer service address, so use the one on your bill. Mail payments take 7 to 10 business days to arrive and post, so send them early.
Do not send cash by mail. If your payment gets lost, you have no proof you sent it, and Synchrony will report you late.
What happens if you miss a payment or pay late
If your payment does not post by the due date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment reports to the three credit bureaus — Equifax, Experian, and TransUnion — and stays on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points.
If you are more than 30 days late, Synchrony may raise your interest rate to a penalty rate, which can be 20% or higher. If you are 60 days late, the card may be suspended. If you are 180 days late, Synchrony may charge off the account and sell the debt to a collection agency.
If you know you cannot pay by the due date, call Synchrony before the date arrives. Some customers can negotiate a one-time extension or a temporary hardship plan, though this is not may provide. Calling after you are already late is less helpful but still better than ignoring the bill.
Troubleshooting login and payment problems
If you cannot remember your Synchrony password, click "Forgot Password" on the mysynchrony.com login page. Synchrony will send a reset link to the email address on file. If you do not receive the email within a few minutes, check your spam folder or try again.
If you cannot log in even after resetting your password, or if you see an error message when you try to make a payment, call Synchrony customer service at the number on your card. A representative can confirm your account is active, check for technical issues, and help you complete the payment over the phone.
If you believe your Montgomery Ward card account has been closed or transferred, call the number on your card to confirm. Synchrony occasionally consolidates accounts or updates systems, and a representative can tell you the current status and direct you to the right payment method.
Frequently Asked Questions
Can I pay my Montgomery Ward card at a store?
No. Montgomery Ward retail stores closed in 2001. You must pay online through Synchrony, by phone, or by mail. Some third-party bill pay services may accept Montgomery Ward payments, but paying directly through Synchrony is fastest and most reliable.
What if I do not have a bank account for automatic payments?
You can pay online using a debit card, or pay by phone using a debit card or bank account. You can also pay by mail with a check or money order. Automatic payments require a bank account, but one-time online or phone payments do not.
Does Synchrony charge a fee to pay my bill?
No. Synchrony does not charge a fee for online, phone, or automatic payments. Mail payments are free too. The only cost is the interest on your balance if you do not pay the full amount.
How do I know if my payment went through?
After you submit a payment online or by phone, Synchrony shows a confirmation number on the screen or reads it to you. Write it down. Log back into your account the next business day to confirm the payment posted. You can also call customer service to verify.
What if I paid but my account still shows a late fee?
If you paid after the due date, the late fee has already been charged. Call Synchrony and ask whether they will waive the fee as a one-time courtesy, especially if this is your first late payment. They may agree, but there is no may provide. In the future, pay before the due date to avoid fees.