P.C. Richard & Son is a family-owned retailer specializing in home appliances, electronics, mattresses, furniture, and related products, operating dozens of stores primarily across New York, New Jersey, Connecticut, Pennsylvania, and surrounding Northeastern states. Customers frequently finance large purchases through the P.C. Richard & Son Credit Card, a store-branded credit card issued and fully serviced by Synchrony Bank. Making timely payments on your P.C. Richard credit card bill helps avoid late fees, penalty interest rates (which can reach up to 39.99% APR), damage to your credit score, and loss of eligibility for future special financing promotions.
The company explicitly directs customers to use official Synchrony channels only. Third-party bill-pay services (such as Doxo) are not affiliated with P.C. Richard & Son or Synchrony and may result in additional fees, delayed posting, or processing errors. Always verify you are on a synchrony.com domain or using official phone numbers listed below.
1. Pay Online (Fastest and Most Recommended Method)
The primary and most secure way to pay your P.C. Richard & Son credit card bill is through the official Synchrony online account portal.
How to pay online:
- Go directly to the dedicated P.C. Richard & Son account page: https://www.synchrony.com/marketplace/partner?market=electronics&store=pcrichardson or the general Synchrony Consumer Center at mysynchrony.com.
- New users: Click “Register” or “Sign Up” and enter your 16-digit account number (found on your monthly statement) along with personal verification details.
- One-time payments: Use the Pay as Guest option—no full account registration required.
- Log in to view your current balance, minimum payment due, statement details, recent transactions, and available credit.
- Select your preferred payment method: bank account (ACH/eCheck – usually lowest or no fee) or credit/debit card.
- Confirm and receive an immediate payment receipt via email.
Key benefits of online payment:
- Payments typically post the same day or within one business day.
- 24/7 availability from any device.
- Enroll in eBill (paperless statements) to reduce clutter and receive instant access.
- Download the free Synchrony mobile app for iOS or Android to manage your account on the go.
2. Set Up Automatic Payments (AutoPay)
To eliminate missed payments entirely, enroll in AutoPay directly in your Synchrony online account:
- Choose to pay the minimum due, full statement balance, or a fixed custom amount.
- Link a checking or savings account for automatic monthly deductions on your selected due date.
- You can modify or cancel AutoPay at any time with no penalty.
This is the most reliable way to maintain good account standing and qualify for ongoing special financing offers.
3. Pay by Phone
For customers who prefer telephone assistance:
- Call the dedicated Synchrony payment line: 1-877-800-4727.
- Hours: 7:30 AM – Midnight Eastern Time, seven days a week.
- Have your 16-digit account number and payment information ready.
- Automated system or live representative can process payments using a bank account or debit/credit card.
Note: A convenience fee may apply for certain expedited or card-based phone payments.
4. Pay In-Store
You can make a payment directly at any P.C. Richard & Son retail location:
- Bring your monthly statement or account number.
- Payments are usually credited the same business day.
- This option is ideal if you are visiting a store for shopping or service.
Use the store locator on pcrichard.com to find the nearest location.
5. Pay by Mail
Mail payments remain a free option (no convenience fee):
- Mailing address: Synchrony Bank PO Box 960061 Orlando, FL 32896-0061
Include the payment coupon from your statement (or clearly write your full 16-digit account number on the check or money order). Allow 7–10 business days for delivery and posting. Never send cash.
Additional Financing Options and 2026 Updates
In addition to the Synchrony credit card, P.C. Richard & Son offers:
- Affirm – Buy Now, Pay Later plans with fixed monthly payments. Manage and pay directly through the Affirm app or website (separate from Synchrony).
- Acima – Lease-to-own option for qualifying customers.
Current promotional financing (as of April 2026) includes 6 Months Special Financing on qualifying purchases from April 1 through May 4, 2026, with no interest if paid in full within the promotional period. Always review the exact terms in your account or on pcrichard.com/credit-card-financing.html.
General Customer Service (non-billing):
- P.C. Richard & Son main line: 1-877-727-1909 or 1-631-773-4900 (select option 1).
Security and Important Notes
- Use only official Synchrony websites (look for “synchrony.com” in the URL) and the verified phone numbers above.
- Enable two-factor authentication and monitor your account regularly for suspicious activity.
- Synchrony provides $0 fraud liability on the P.C. Richard & Son Credit Card.
- Late payments may trigger penalty APRs and fees—contact Synchrony immediately if you anticipate difficulty making a payment to discuss options.
By using these official methods, your payment is applied promptly and securely.
Frequently Asked Questions (FAQs)
1. What is the official website to pay my P.C. Richard & Son credit card bill? Visit https://www.synchrony.com/marketplace/partner?market=electronics&store=pcrichardson or mysynchrony.com. These are the only authorized online portals.
2. Can I pay without creating a full online account? Yes. The “Pay as Guest” feature allows one-time payments without registration.
3. What phone number should I use to make a payment? Call 1-877-800-4727 (7:30 AM – Midnight ET, 7 days a week).
4. Where do I mail my payment? Synchrony Bank, PO Box 960061, Orlando, FL 32896-0061.
5. Is AutoPay available and how do I enroll? Yes—log into your Synchrony account and set it up under payment options. It is free and highly recommended.
6. Are there fees for online or phone payments? Bank account (ACH) payments usually have no extra fee. Credit/debit card or expedited phone payments may incur a convenience fee (disclosed before confirmation).
7. Can I pay in a P.C. Richard & Son store? Yes. Bring your statement to any retail location for same-day credit.
8. How quickly do online payments post? Most electronic payments post the same day or within one business day.
9. What should I do if I miss a payment or face financial hardship? Contact Synchrony at 1-877-800-4727 as soon as possible to discuss payment arrangements or hardship options.
10. Are third-party services like Doxo recommended? No. P.C. Richard & Son and Synchrony do not partner with third-party bill-pay platforms. Using them may cause delays and extra fees.
11. How do I view my statements and transaction history? Log into your Synchrony account or enroll in eBill for instant digital access.
12. Where can I find the latest financing promotions? Check your Synchrony account dashboard or visit pcrichard.com/credit-card-financing.html.
