The Complete Guide to Paying Your Guitar Center Credit Card Bill

Playing music is one of life’s greatest joys. As a musician, having the right gear can make all the difference in your ability to progress and enjoy your instrument. But quality musical equipment can get expensive quickly. That’s why financing options like the Guitar Center Gear Card are so valuable for aspiring musicians.

In this comprehensive guide, we’ll explain everything you need to know about the Guitar Center credit card, including how to pay your bill quickly and easily.

What is the Guitar Center Gear Card?

The Guitar Center Gear Card is a financing option offered by Guitar Center to help customers pay for musical equipment and accessories over time It’s essentially a Guitar Center branded credit card issued by Synchrony Bank that offers special financing deals to make expensive gear more affordable

Some key features of the Guitar Center Gear Card include:

Special financing offers like deferred interest promotions, allowing you to pay over several months with no interest if paid in full
Monthly payment options to pay for large purchases over time
No annual fee
Access to exclusive Guitar Center cardholder deals and offers

You can pay for anything at Guitar Center stores or on GuitarCenter.com with the Gear Card. com, from guitars and amps to recording equipment, DJ gear, and more.

How Do I Pay My Guitar Center Credit Card Bill?

There are several easy and convenient ways to pay your Guitar Center Gear Card bill. Here are some of the most common ways to pay your bill:

Pay Online

The easiest way for most people to pay their Guitar Center credit card bill is online through Synchrony Bank’s website.

To pay online:

Go to www.synchrony.com
Click on “Log In” and enter your Guitar Center Gear Card account username and password
Once logged in, select “Make a Payment”
Enter your payment amount and method. You can pay with a bank account, debit card, different credit card, or electronic check.
Confirm your payment details and submit.

Online payments are typically processed immediately, so it’s a fast and convenient way to ensure your bill gets paid on time each month.

Pay By Phone

You can also pay your Guitar Center credit card bill easily over the phone using Synchrony Bank’s automated payment system.

To pay by phone:

Call Synchrony Bank at 1-866-398-7882
Follow the prompts to select “Guitar Center” as the account you want to pay
Enter your 16-digit account number and other requested details
Select whether you want to pay your minimum amount due or a different amount
Provide your payment method information
Receive a confirmation number at the end

Paying over the phone only takes a few minutes and gives you the flexibility to decide your payment amount on the spot.

Pay by Mail

If you prefer to mail in a payment, you can send a check or money order to the payment address listed on your monthly statement.

Be sure to include your 16-digit account number and the payment coupon from your bill to ensure it gets applied properly. Allow 7-10 days for mailed payments to process.

Pay at Guitar Center

Many Guitar Center locations allow you to make a payment on your Gear Card in person when checking out for a new purchase. Simply request to make a payment during the transaction.

You can also visit Customer Service at any Guitar Center store and provide your account details to make a bill payment.

Paying in person ensures your payment is credited right away. Just be aware that Guitar Center locations can only accept payments up to your minimum amount due.

Auto-Pay

You can set up automatic monthly payments directly from your bank account by enrolling in Auto-Pay through Synchrony Bank. This securely debits your payment each billing cycle so you never miss a payment.

To set up Auto-Pay:

Log into your Synchrony account
Under “Account Services”, select Auto-Pay
Choose your payment amount and confirm your bank account
Review and submit the authorization form

Auto-Pay gives you peace of mind that your Guitar Center Gear Card bill will always be paid on time. You can cancel or change the details at any time if needed.

Mobile Payments

Synchrony Bank offers a mobile app for iPhone and Android that allows you to easily pay your credit card bill on the go. You can securely enter payment info and check your balance or statements.

The Synchrony app lets you snap a photo of your bill to instantly pull up your account. It’s great for busy musicians always on the move!

No matter how you choose to pay, Synchrony Bank offers flexible options to fit any schedule or payment preference.

When is My Guitar Center Credit Card Payment Due?

Your monthly Guitar Center Gear Card payment is due on the same date each billing cycle. This will be listed as the “Payment Due Date” on your monthly statement.

Most Synchrony Bank credit cards have a standard monthly billing cycle:

Statements are generated around the same date each month
The current statement balance must be paid in full by the following due date
Due dates are typically 3-4 weeks after the statement closing date

For example, if your statement normally closes on the 15th of each month, your due date would be around the 10th of the following month.

The exact due date schedule for your Guitar Center account can be found by logging into your Synchrony Bank account online or checking your monthly statement.

Payments received after your due date risk a late fee, so be sure to pay on time each month. Setting up automatic payments is the easiest way to avoid forgetting.

How Much Should I Pay on My Guitar Center Card Each Month?

At minimum, you must pay at least the Total Minimum Payment Due listed on your monthly statement to avoid a late fee. However, there are a few options for determining your ideal monthly payment amount:

Pay the full statement balance – This ensures you pay off your entire balance each month and avoid interest charges. It’s recommended if you can pay off purchases in full.
Pay more than the minimum – Paying more than the minimum due will pay off your balance faster and reduce interest. Pay as much over the minimum as you can afford.
Pay a set budgeted amount – Pick a consistent amount to pay each month that fits your budget, at least meeting the minimum due. This takes the guesswork out of payments.
Pay the minimum due – Making the minimum payment keeps your account in good standing but takes longer to pay off debt and accrues more interest.

In general, paying more than the minimum when possible will save money on interest fees. But only you know how much fits into your monthly budget.

Can I Pay My Guitar Center Card Bill at Multiple Stores?

Yes, you can make Gear Card payments at any corporate-owned Guitar Center location in the United States. Payments made at the store will be instantly applied to your account.

To pay in person:

Visit any Guitar Center store that has a Cashier or Customer Service desk
Provide your 16-digit account number and request to make a payment
Pay up to your minimum amount due with cash, card, or check
Get a receipt showing your payment was made

Store payments go directly to Synchrony Bank and reduce your next monthly statement balance. It’s a convenient way to pay when already shopping at Guitar Center.

Independent Guitar Center franchise locations may have different policies on accepting credit card payments. Call the store in advance to confirm their payment options before visiting.

Are There Other Ways to Pay My Guitar Center Credit Card?

In addition to the most common methods listed above, Synchrony Bank offers a few other ways to pay your Guitar Center Gear Card that some may find convenient:

Western Union – Visit any US Western Union location and provide your account details to make a cash payment that Western Union transfers to Synchrony Bank electronically.
MoneyGram – Similar to Western Union, make a cash payment at any US MoneyGram location that they will transfer to your account.
CashPay – Generate a unique barcode in your Synchrony account to take to participating retail partners like Ace Cash Express, CVS, or 7-Eleven and pay your bill in cash. The store scans your barcode, collects the cash, and transmits the payment.

While less common, these alternative options allow you to pay with cash at a wide network of physical locations.

Can I Pay Using the Guitar Center Mobile App?

Unfortunately there is no direct way to pay your Guitar Center Gear Card bill using the Guitar Center mobile app. The Guitar Center app is meant for browsing inventory, tracking orders, and managing your Guitar Center account.

Since the Gear Card is issued by Synchrony Bank, payments must be made through Synchrony’s own online portal, phone system, or mobile app.

However, Synchrony Bank does have its own free app for iPhone and Android that allows you to easily make payments on the go

How to Pay Your Guitar Center Credit Card

Online: Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. You can also pay without logging in, but youll first have to register your account.
Through the mobile app: Download the mobile app, log in to your account and select your card, then tap “Make a Payment.”
Over the phone: Call (866) 396-8254 and enter your card information when prompted. Please note that making a payment over the phone with a representative involves a fee.
By mail: Send a check or money order (but not cash) to the following address: Synchrony BankP.O. Box 965003Orlando, FL 32896-5003

Payments through the mail take the longest to process. So, make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too. This answer was first published on 10/29/21 and it was last updated on 01/09/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Frieda Reiss , WalletHub Credit Card Analyst

The easiest way you can pay your Guitar Center Credit Card is either online or through the mobile app. Alternatively, you can pay your credit card bill over the phone at (866) 396-8254, or by mail. You can also set up automatic payments.

Watch THIS Before Financing Your Next Guitar!

How do I Pay my Guitar Center credit card?

What is a Guitar Center credit card?

Minimum purchase varies by brand Limited time offer – Equal Monthly Payment Financing: 0% APR for 48 months on select brand purchases. Minimum purchase varies by brand. 5% back on all purchases. The Guitar Center Credit Card is what’s known as a store card, meaning you can only use it to make in-store and online Guitar Center purchases.

Does Guitar Center have a rewards program?

Guitar Center and Synchrony Financial have introduced a new rewards program that allows Guitar Center Gear Card holders to earn 5 percent back in reward certificates on any purchases made in-store, online at guitarcenter.com or by telephone.

Can I Use my Guitar Center credit card anywhere?

You cannot use your Guitar Center Credit Card anywhere. The Guitar Center Credit Card is what’s known as a store card, meaning you can only use it to make in-store and online Guitar Center purchases. You can use your Gear Card to buy pro audio equipment or any type of equipment they sell at Guitar Center for that matter.