How to Pay Your Jared Jewelry Credit Card and Manage Your Account
Where and how to make a Jared credit card payment
Jared's jewelry credit card is issued by Synchrony Bank, so you send payments to Synchrony, not to Jared itself. You can pay online through your Synchrony account, by phone, by mail, or in person at a Jared store. The fastest route is online at the Synchrony website or through the Synchrony mobile app — payments posted this way typically show up within one business day.
To pay by phone, call the number on the back of your card or contact Synchrony directly at 1-800-843-0040. You'll need your card number and bank account information ready. If you prefer to mail a check, write your account number on it and send it to the address printed on your monthly statement. Payments by mail take five to seven business days to post, so plan ahead if your due date is coming up.
Some Jared locations also accept in-store payments, though this is less common than online or phone options. Call your local store to confirm whether they take payments before you go in.
Key Takeaways
- Your Jared credit card is managed by Synchrony Bank, so you pay Synchrony directly, not Jared.
- Online payment through Synchrony's website or app is the fastest method and usually posts within one business day.
- Late payments trigger a fee and can raise your interest rate, so paying by the due date shown on your statement matters for your account cost.
- If you miss a payment, contact Synchrony right away — they may work with you on a catch-up plan before the account goes to collections.
- Automatic payments set up through Synchrony remove the risk of forgetting a due date.
Setting up automatic payments to avoid missed due dates
Automatic payments are the simplest way to make sure you never miss a due date. Log into your Synchrony account online or through the app, go to the payments section, and choose "Set up automatic payment." You can schedule a payment for a fixed amount on a date you pick each month, or you can set it to pay your full statement balance automatically.
If you choose to pay a fixed amount, make sure it covers at least the minimum payment shown on your statement — paying less than the minimum triggers a late fee and damages your credit. If you want to pay down the balance faster, you can set the automatic payment higher or make extra payments by hand whenever you have the money.
You can change or cancel an automatic payment anytime through your Synchrony account. If you cancel, remember to set a phone reminder for your new due date so the payment doesn't slip your mind.
What happens if you miss a payment or pay late
A payment is late if it arrives after the due date shown on your statement. 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 miss a payment by 30 days or more, Synchrony may report it to the credit bureaus, which will lower your credit score and stay on your report for seven years.
Late payments also trigger a penalty interest rate, which means the rate you pay on your remaining balance goes up. This rate can be much higher than your regular purchase rate and applies to new charges as well as the old balance. The penalty rate stays in place until you make six consecutive on-time payments, at which point Synchrony may lower it back to your regular rate.
If you're behind on your payment, call Synchrony at 1-800-843-0040 as soon as you can. They may offer a hardship plan that lets you catch up over time without the account going to collections. The sooner you reach out, the more options you usually have.
Understanding your interest rate and how it changes
Your Jared credit card has a purchase interest rate set when you open the account. This rate depends on your credit score and credit history — people with higher scores usually get lower rates. Synchrony may also offer a promotional rate (often 0% for a set number of months) on certain purchases, like jewelry over a certain price.
Your rate can change if you miss a payment, as described above. It can also change if Synchrony reviews your account and decides to adjust your rate based on how you've been using the card. You'll receive notice of any rate change in writing before it takes effect.
To see your current rate, log into your Synchrony account or check your most recent statement. The rate is shown as an annual percentage rate, or APR. If you carry a balance, you pay interest on it every month until you pay it off.
How to check your balance and statement online
Log into your Synchrony account at synchronybank.com or download the Synchrony mobile app. Once you're signed in, you'll see your current balance, available credit, and due date. Your statement shows every charge, payment, and fee from the past month, plus your interest charges and the minimum payment due.
You can view statements going back several months online. If you need an older statement, Synchrony can mail it to you — call 1-800-843-0040 to request one. You can also set up paperless statements so you receive an email notification each month when your new statement is ready instead of getting paper in the mail.
Disputing a charge or reporting fraud on your card
If you see a charge on your statement that you didn't make or that's wrong, contact Synchrony right away. Call the number on the back of your card or 1-800-843-0040. Explain the charge and what happened — whether it's a duplicate, an unauthorized purchase, or an amount that doesn't match what you agreed to pay.
Synchrony will open a dispute and investigate. During the investigation, the charge stays on your account, but you don't have to pay it while they look into it. Most disputes are resolved within 30 to 60 days. If Synchrony finds the charge was wrong, they'll remove it from your balance. If they find it was correct, they'll tell you why and you'll owe the amount.
If your card is lost or stolen, call Synchrony immediately to report it. They'll cancel the card and send you a new one. You're not responsible for fraudulent charges made after you report the card missing, but you may be responsible for charges made before you reported it if you were negligent.
Paying off your balance and closing your account
To pay off your full balance, log into Synchrony and make a one-time payment for the total amount due, or set up an automatic payment for the full statement balance each month. Once your balance reaches zero, you can keep the account open and use it again, or you can close it.
Closing the account stops you from making new charges, but it doesn't erase your payment history — Synchrony will continue to report your on-time payments to the credit bureaus for as long as the account is on your report. Closing an old account can actually lower your credit score slightly because it reduces the total credit available to you, so think about whether you want to keep it open before you ask to close it.
To close your account, call Synchrony at 1-800-843-0040 and ask to close the card. Make sure your balance is paid off first. After you close it, keep your final statement for your records.
Frequently Asked Questions
Can I pay my Jared card at a Jared store?
Some Jared locations accept in-store payments, but it's not may provide at every store. Call your local Jared before you go. Online or phone payment through Synchrony is more reliable and faster.
What's 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 any charges you've made since then. You only have to pay the statement balance by the due date, but any new charges will appear on next month's statement.
Will paying off my card early hurt my credit score?
No. Paying early or paying in full doesn't hurt your score. It actually helps because it lowers the amount of credit you're using, which is good for your credit. There's no penalty for paying off a credit card early.
What if I can't afford my minimum payment?
Call Synchrony at 1-800-843-0040 and explain your situation. They may offer a hardship plan that lowers your payment temporarily or gives you more time to pay. The sooner you call, the more options they can offer before your account falls behind.
How long does a late payment stay on my credit report?
A late payment stays on your credit report for seven years from the date you missed the payment. However, its impact on your credit score gets smaller over time, especially if you make all your payments on time after that.