Their card is issued and managed by Synchrony Bank. Aside from selling you the glasses, they have nothing to do with the financing. You will not be able to pay your bill at the store. The LensCrafters payment options include by phone, by mail, or online at the synchrony website. To pay by phone or online you could get a prepaid debit card, like those that can be purchased at your local retailer. Or you could purchase a money order and mail it to them. Or get another credit card that has a branch near you and do a balance transfer.