Von Maur bill pay lets you settle your account balance through the card issuer's online portal, by phone, or by mail
Von Maur credit cards are issued by Synchrony Bank, not by Von Maur itself. This means you pay your bill to Synchrony, not to the store. You can pay online through your Synchrony account, call Synchrony's customer service line, mail a check to the address on your statement, or set up automatic payments from your bank account.
The method you choose affects how quickly the payment posts and whether you have to remember to pay each month. Online and phone payments usually post within one business day. Mail takes longer — typically five to seven business days from when Synchrony receives it, which means you need to mail it earlier to avoid a late payment.
Your statement shows a minimum payment due and a due date. Paying only the minimum keeps your account in good standing, but you will pay interest on the remaining balance. Paying the full statement balance avoids interest charges entirely.
Key Takeaways
- Von Maur credit card payments go to Synchrony Bank, the card issuer, not to Von Maur stores.
- You can pay online, by phone, by mail, or through automatic bank transfers, and online or phone payments post within one business day.
- Paying only the minimum payment keeps your account current but leaves you carrying a balance that accrues interest.
- Paying your full statement balance by the due date means you owe no interest on purchases made during that billing cycle.
Setting up online bill pay through your Synchrony account
Log in to your Synchrony account at synchronybank.com or through the Synchrony mobile app. You will need your card number and a password. If you do not have an online account yet, you can create one using your card number and the last four digits of your Social Security number.
Once logged in, select "Make a Payment" or "Pay Your Bill." You can choose to pay a specific amount or your full statement balance. Enter the payment amount and select your payment method — you can pay from a checking or savings account, or use a debit card. Synchrony will show you the date the payment will post before you confirm.
Online payments are free. Synchrony does not charge a fee for paying through your account. The payment posts within one business day, so if your due date is tomorrow, an online payment made today will likely post in time.
Paying by phone or setting up automatic payments
Call Synchrony customer service at the number on the back of your card. A representative will ask for your card number and the amount you want to pay. You can pay from a checking or savings account over the phone. Phone payments are also free and post within one business day.
Automatic payments let you set a fixed amount to be withdrawn from your bank account on a date you choose each month. You can set this up through your Synchrony account online or by calling customer service. Many people set automatic payments for the full statement balance on the due date, which removes the risk of forgetting and incurring a late fee.
If you set automatic payments for the minimum amount, you will still carry a balance and pay interest. If you set them for the full balance, make sure your bank account has enough money on that date, or the payment will fail and you may face a late fee from Synchrony.
Paying by mail and timing your payment
Your statement includes a payment coupon with a mailing address. Write a check for the amount you want to pay, include the coupon, and mail it to the address shown. Do not mail cash. Include your account number on the check if you remove the coupon.
Mail payments take five to seven business days to reach Synchrony after you drop them in the mailbox, plus one to two days for Synchrony to process them. If your due date is ten days away, mailing a payment today gives you a reasonable margin. If your due date is five days away, mail is too slow — use online or phone payment instead.
The postmark date does not matter for credit card payments. Synchrony marks a payment late based on when they receive it, not when you mailed it. If you are cutting it close, do not use mail.
What happens if you miss a payment or pay late
A payment is late if it arrives after your due date. Synchrony will charge a late fee, typically between $25 and $40 depending on your account history. A single late payment also reports to the credit bureaus and can lower your credit score.
If you miss a payment by 30 days, Synchrony will report it as a 30-day late account. At 60 days late, it becomes a 60-day late account. These reports stay on your credit report for seven years and make it harder to borrow money in the future. Your interest rate may also increase if you have a late payment.
If you realize you will miss a due date, contact Synchrony before the date passes. Some customers have been able to negotiate a one-time waiver of a late fee or a brief extension, though Synchrony is not required to grant either. Calling ahead is better than letting the payment go unpaid.
Understanding your statement balance and interest charges
Your statement shows the statement balance — the total of all purchases and fees from your last billing cycle. It also shows the minimum payment due, which is usually 1 to 3 percent of your balance. The due date is typically 21 to 25 days after your statement closes.
If you pay less than the full statement balance, Synchrony charges interest on the remaining amount. The interest rate (called the APR, or annual percentage rate) varies by cardholder and is shown on your statement and in your account. Interest accrues daily on the unpaid balance, so the longer you carry it, the more you pay.
Paying the full statement balance by the due date means you owe no interest on those purchases. Paying only the minimum means interest starts accruing immediately on the unpaid portion. Over time, carrying a balance costs significantly more than the original purchase price.
Disputing a charge or payment issue
If you see a charge on your statement that you did not make or that was processed incorrectly, log into your Synchrony account and look for a "Dispute" or "Report a Problem" option. You can also call customer service. Synchrony will investigate and typically respond within 30 to 60 days.
If you made a payment but it does not appear in your account within two business days, check your online account to confirm the payment posted. If it did not post and you paid by check or mail, contact Synchrony with your payment details. If you paid online or by phone, Synchrony can usually locate the payment immediately and tell you when it will post.
Frequently Asked Questions
Can I pay my Von Maur credit card at a Von Maur store?
No. Von Maur stores do not accept credit card payments. You must pay Synchrony Bank directly through their website, phone line, or by mail. Paying at a store will not reach your account and will not count toward your due date.
What is the difference between the statement balance and the current balance?
The statement balance is what you owed at the end of your last billing cycle. The current balance includes new purchases and payments made since your statement closed. Your payment is due on the statement balance, not the current balance. If you make new purchases after your statement closes, those will appear on your next statement.
Do I have to pay interest if I pay my full balance before the due date?
No. If you pay your full statement balance by the due date, you owe no interest on those purchases. Interest only applies to balances you carry past the due date. Paying in full each month is the way to avoid interest charges entirely.
What happens if my automatic payment fails?
If your bank account does not have enough funds on the scheduled payment date, the automatic payment will fail. Synchrony will typically attempt the payment again, but if it fails a second time, your account will be considered late. Contact Synchrony immediately to make a manual payment and ask about waiving the late fee.
Can I change my due date?
Yes. Log into your Synchrony account and look for "Account Settings" or "Billing," or call customer service. You can usually change your due date to any day of the month. This can help if your due date falls before you normally get paid.