Where and how to pay your Home Depot Commercial Card bill
You can pay your Home Depot Commercial Card online through the Synchrony Bank portal, by phone, by mail, or in person at a Home Depot store. The fastest route is the online portal at synchronycredit.com, where you log in with your card number and make a one-time payment or set up automatic payments. If you prefer to speak with someone, call the number on the back of your card to pay by phone—this takes about five minutes and the payment posts within one business day.
Payments made online or by phone before 8 p.m. Eastern Time typically post the same business day. Mail payments take five to seven business days to arrive and post. In-store payments at Home Depot are accepted at the customer service desk, though this method is slower than online or phone payment and should only be used if you cannot access other options.
Key Takeaways
- Pay online at synchronycredit.com, by phone at the number on your card, or by mail to the address on your statement.
- Online and phone payments post within one business day if made before 8 p.m. Eastern Time; mail payments take five to seven business days.
- Set up automatic payments through the Synchrony portal to avoid missed due dates and late fees.
- Your due date appears on your monthly statement, and payments are due by 5 p.m. Eastern Time on that date to avoid interest charges.
- Late fees and interest charges begin when ready if your payment does not arrive by the due date, regardless of when you sent it.
Paying online through Synchrony
Log into your account at synchronycredit.com using your card number and the password you created when you first received the card. If you have not set up an online account yet, click "Register" and follow the prompts to create a username and password. You will need your card number, Social Security number, and the zip code associated with your billing address.
Once logged in, click "Make a Payment" and enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between. Choose your payment method—bank account (ACH transfer) or debit card—and confirm the payment date. Bank account payments are free; debit card payments may carry a fee, which Synchrony will show you before you confirm. The payment will post to your account within one business day.
To set up automatic payments, go to "Manage Autopay" in your account settings. Choose the amount (minimum payment, full balance, or a fixed dollar amount), the day of the month you want it to withdraw, and your payment method. Automatic payments remove the risk of forgetting a due date and triggering late fees.
Paying by phone
Call the customer service number on the back of your Home Depot Commercial Card. A representative will ask for your card number, the last four digits of your Social Security number, and the amount you want to pay. Have your bank account information ready if you want to pay by ACH transfer, or your debit card number if you prefer that method.
Phone payments are processed when ready and post within one business day. There is no fee for paying by phone. The call typically takes three to five minutes. If you call after business hours, you can use the automated phone system to make a payment without speaking to a representative.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your account number (your card number) on the check. Mail it to the address shown on your monthly statement under "Payment Address"—do not send it to a Home Depot store location. Mail payments take five to seven business days to arrive and post, so send your payment at least ten days before your due date to avoid late fees.
Keep a record of the check number and the date you mailed it. If your payment does not post within seven business days, contact Synchrony to confirm they received it. Late fees begin on the due date regardless of when you mailed the payment, so mail is the riskiest payment method if you are close to your due date.
Understanding your due date and payment important date
Your due date appears on your monthly statement and is typically 25 days after your statement closes. Payments must arrive by 5 p.m. Eastern Time on the due date to avoid late fees. If your due date falls on a weekend or holiday, the important date moves to the next business day.
Your statement shows three payment figures: the minimum payment (usually 1 to 3 percent of your balance), the full balance, and the amount of interest you will owe if you only pay the minimum. Paying only the minimum means you will carry a balance and pay interest on it. Paying the full balance by the due date means you owe no interest.
If you miss your due date, Synchrony charges a late fee (typically $25 to $35 for the first late payment) and begins charging interest on your balance at your card's purchase APR. The interest accrues daily until you pay off the balance. One late payment can also lower your credit score and may trigger a higher interest rate on future purchases.
What to do if you cannot pay by your due date
Contact Synchrony as soon as you know you will miss your due date. Call the number on the back of your card and explain your situation. Synchrony may be able to extend your due date by a few days or work out a payment plan, though this is not may provide. Asking before you miss the important date is better than calling after, as it shows you are managing the account actively.
If you have already missed your due date, pay as much as you can when ready. The sooner you pay, the less interest will accrue. Then contact Synchrony to discuss your options. Some cardholders can negotiate a one-time waiver of the late fee if they have a good payment history and this is their first missed payment.
Setting up automatic payments to avoid missed important date
Automatic payments are the simplest way to may support you never miss a due date. Log into synchronycredit.com, go to "Manage Autopay," and choose how much you want to pay each month: the minimum payment, the full balance, or a fixed dollar amount. Select the day of the month you want the payment to withdraw—ideally a few days before your due date to account for processing time.
You can change or cancel automatic payments at any time through your online account. If you set autopay to the full balance, you will owe no interest and will not have to think about your payment each month. If you set it to the minimum payment, you will still carry a balance and pay interest, but you will avoid late fees.
Frequently Asked Questions
What happens if I pay late?
Synchrony charges a late fee (typically $25 to $35) and begins charging interest on your balance at your card's APR. The interest accrues daily. A late payment also reports to the credit bureaus and can lower your credit score. If you are more than 60 days late, Synchrony may close your account and refer the debt to a collection agency.
Can I pay my Home Depot Commercial Card at a store?
Yes, you can pay at the customer service desk at any Home Depot location, but this method is slower than online or phone payment and should only be used if you cannot access other options. The payment may take several days to post to your Synchrony account.
Is there a fee for paying online or by phone?
No. Online payments and phone payments are free when you pay by bank account (ACH transfer). Debit card payments online may carry a fee, which Synchrony will disclose before you confirm the payment. Paying by mail or in person is also free.
What if I want to pay more than my balance?
You can pay any amount up to your full balance. If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by calling Synchrony.
How do I know if my payment posted?
Log into your account at synchronycredit.com and check your transaction history. Online and phone payments post within one business day. Mail payments take five to seven business days. If your payment does not post within the expected timeframe, contact Synchrony to confirm they received it.