Demystifying Sleepy’s Credit Card Bill Pay

It’s important to pay your credit card bill on time every month to keep your credit score high and avoid late fees. Sleepy’s credit card holders should know their bill payment options so they can make payments quickly and correctly. You can learn everything you need to know about Sleepy’s credit card bill pay in this article.

Overview of Sleepy’s Credit Cards

Sleepy’s offers store credit cards through Synchrony Bank, allowing customers to finance purchases interest-free or make monthly payments over time. Synchrony Bank issues Sleepy’s credit cards including the Sleepy’s Consumer Credit Card and the Sleepy’s Preferred Customer Credit Card.

You can only use these cards to pay for things at Sleepy’s. Unlike other credit cards, they don’t let you carry a balance from month to month. They do, however, help people spread out the cost of big furniture purchases over a few months.

Ways to Pay Your Sleepy’s Credit Card Bill

You have several options for paying your Sleepy’s credit card bill each month

Pay Online

Going to Synchrony Bank’s website to pay your Sleepy’s credit card bill is the easiest way to do it. You can use one-time payments or set up automatic payments to happen over and over again.

To pay online:

• Go to www.synchrony.com and click on “Sign In”
• Enter your account number and password
• Choose “Make a Payment” and follow the instructions

You can pay using a bank account, credit card, debit card or electronic check Payments made before 8pm ET are credited the same day.

Pay By Phone

To make a payment over the phone, call Synchrony Bank’s automated system at any time. Have your account number, payment amount and payment method ready.

To pay by phone:

• Call Synchrony Bank at 1-866-396-8254
• Follow the prompts to make a payment using automated system
• You can use a bank account, credit card or debit card

Payments made before 11pm ET are credited the same day.

Pay by Mail

You can mail your payment to Synchrony Bank with a personal check or money order if you prefer. Make sure to include your account number and the payment coupon from your monthly statement.

Send your mailed payments to:

Synchrony Bank
P.O. Box 530912
Atlanta, GA 30353-0912

Note that mailed payments take 5-7 days to process.

Pay in Sleepy’s Stores

Some Sleepy’s store locations allow you to make credit card payments in person. Call your local store ahead of time to confirm they accept credit card payments. Then bring your payment coupon from your monthly statement when paying in stores.

Tips for Paying Your Sleepy’s Credit Card Bill

Follow these tips to make sure your Sleepy’s credit card bill gets paid on time each month:

• Sign up for account alerts – Synchrony Bank will text or email you reminders about upcoming payments and due dates.

• Enroll in Autopay – Set up recurring automatic payments from your bank account each month to avoid late fees.

• Pay more than the minimum – Paying the minimum only pays a portion of your balance and results in more interest charges over time. Pay more than the minimum when possible.

• Check your due date – Payment due dates for Sleepy’s credit cards vary depending on when you opened your account. Log in online to verify your specific due date.

• Allow time for mailed payments – If paying by mail, send your payment 1 week before the due date to ensure it arrives on time.

Avoiding Late Fees

Like most credit cards, Sleepy’s credit cards charge late fees when you miss your payment due date. Late fees are up to $29 per incident.

To avoid late fees:

• Mark your due date on your calendar so you don’t forget
• Set payment reminders on your phone or smart assistant
• Enroll in Autopay to have payments automated each month
• Sign up for payment alerts through Synchrony Bank

Review your monthly statement so you know your balance and minimum payment. Contact Synchrony Bank ahead of time if you cannot make a payment and need to discuss payment options.

Getting Account Help

If you have any questions about your Sleepy’s credit card account or need help making a payment, contact Synchrony Bank’s customer service:

• Call 1-866-396-8254
• Chat live on their website during business hours
• Email questions to [email protected]

You can also log into your account online and use Synchrony’s FAQ and account management tools.

The Bottom Line

Understanding how Sleepy’s credit card bill pay works ensures your payments get processed on time each month. Consider enrolling in Autopay or scheduling automatic payments to simplify the process. Just be sure to monitor your monthly statements and account details online with Synchrony Bank.