In this particular article, we have described some essential information on Ashley Furniture credit card including its benefits and some drawbacks. Apart from this, we have also mentioned how to apply for this card from Synchrony Bank.
Although this credit card is being used by an increasing number of customers at present, some people might think that it will not be a sensible idea to make use of this card. Incidentally, the Ashley Furniture credit card is a store-branded credit card that has been issued by Synchrony Bank. We will find out more information regarding this card in the following review.
Features of Ashley furniture credit card
The first thing that we should mention is that this card comes with a low requirement of credit score which is definitely extremely beneficial. Another notable thing is that this card happens to be a store credit card implying that it does not have any yearly fee or extremely high rates of interest. However, it can only be used in Ashley furniture stores since it isn’t a part of any significant payment network.
This credit card does not come with any things such as cashback rewards similar to the Rooms To Go credit card issued by Synchrony for a furniture outlet. On the other hand, it only provides a special financing period to its holders on every purchase at Ashley Furniture. It’ll be possible for you to make use of the subsequent special financing options:
- For a maximum of 6 or 12 months – It can be combined with discount offers and no minimum purchase will be needed. It can be used in-store as well as online.
- For as many as 18 months – Here, one will require a purchase of a minimum of $999 and it can be combined with discount offers as well. It’ll be feasible to use it both in-store and online.
- Lastly, for as many as 72 months – It cannot be combined with discount offers and a minimum purchase will be needed. It can be used only in-store.
It’ll be a smart idea to make use of Ashley Furniture credit card only if you plan to make big purchases at Ashley Furniture. Nevertheless, it is important to bear in mind that the 29.9% penalizing APR will be applicable to the whole sum in case you forget to make any payment or will not make the payment within the particular period. Consequently, it’ll be a good idea to make use of this card only in case you’re certain that you can make the payment on time. Or else, it will not be a practical idea to use this card with this kind of high APR.
Ashley Furniture Credit Card provides customers with a convenient and flexible financing option for furnishing their homes. With low monthly payments and special financing offers, it allows individuals to create their dream living spaces without straining their budgets. Cardholders can enjoy exclusive perks, such as promotional discounts and access to unique financing plans. Ashley Furniture Credit Card simplifies the purchasing process, offering a seamless way to buy quality furniture and decor. Additionally, it provides online account management, making it easy for users to track their spending and payments. Elevate your home with Ashley Furniture Credit Card, turning aspirations into reality.
Besides this, the Ashley Furniture credit card does not have much to offer you. Special deals and extra discounts are promised by Ashley Furniture for cardholders. Nevertheless, it’ll be difficult to measure this benefit since the particular details are mentioned on this matter.
In general, it’ll be a sensible idea to make use of this credit card at Ashley Furniture for free financing. Nevertheless, it is imperative for you to be extremely meticulous so that you do not forget to make any payment on this card.
Applying for Ashley Furniture credit card
An application online has to be submitted by you if you like to obtain special financing at Ashley Furniture. In this way, it’ll be feasible for you to make an application for a credit card right here we have explained step-by-step:
- At first, you have to launch the Synchrony Bank website by clicking the relevant button.
- You need to click the “Apply Today” button on this particular page, and this can be found in the top right corner of the page.
- Once it is done, you will go to a page along with an application form that you will need to fill up.
- First, it’ll be necessary to input your first name and last name along with your Social Security number. Following this, you have to click the “Continue” button.
- On the subsequent page, it’ll be imperative to input all the required information, both personal and financial. Click the Continue button after performing this step.
- Next, you need to choose your credit card option on the subsequent page. Following this, you have to click “Continue”.
- Eventually, the page along with the terms and conditions will be open in front of you. You need to go through this information carefully. Make sure to click the Continue button if you give your consent to it and check the boxes close to “I agree….”.
- After performing this step, the result of the application will be open in front of you. In this way, you will come to know whether you have been sanctioned for the Ashley Furniture credit card or not.
Payment of Ashley Furniture credit card
Payment of this part can be made in 3 ways which are as follows: by means of phone, by means of email, and online. However, it will not be possible to make any payment for this particular card in a retail outlet.
Firstly, we like to mention that online payment of this credit card will be the best option out there. You need to follow the guidelines for doing that and sign in to your Ashley Furniture credit card account online. Following this, it’ll be possible for you to make payments on the card right from there.
The 2nd way of making payment will be to do so by means of a phone call. To get the job done, it’ll be imperative to call 1-866-396-8254 while requesting the operator to pay the credit card. Following this, you need to follow the guidelines of the operator for paying your credit card successfully.
Your 3rd option will be to make use of email for sending your payment. For this, it’ll be a sensible idea to use the Synchrony Bank address:
Ashley Furniture Home Store Advantage Card
P.O. Box 960061
Orlando, FL 32896-0061
Ashley Furniture credit card advantages and drawbacks
| Pros | Cons |
| An absence of any balance transfer fee. | Doesn’t provide any signup bonus. |
| This credit card reports to several credit bureaus. | It will not be possible to get rewards on every single purchase. |
| 0% APR on fresh purchases during the initial 18 months. | Doesn’t include lots of credit card rewards. |
| Doesn’t provide rewards or cashback. | |
| Purchase APRs that are higher than average. |
Advantages of having an Ashley Furniture credit card
- Absence of any yearly charges
It is a fact that the price of furniture is rising at present, and it is good to know that there is no need to pay any yearly charges when it comes to the Ashley Furniture credit card. You will come across many credit cards charging abnormally high yearly fees. However, it’ll be possible to devote every single dollar of your credit line to get hold of your preferred dining set or couch with the help of this particular credit card. - Exclusive offers
Every single cardholder has access to exclusive offers that can be received by means of email. It is possible for these offers to be extra discounts, special sales, access to special events, and so forth. It might also be possible to have access to the most recent furniture releases before being offered to the public. - No down payment
A down payment will be required by lots of furniture companies while you are buying furniture. Even though it might appear to be an outdated notion, it happens all the same, even at Ashley Furniture. Nevertheless, you can always ignore the down payment for getting the furniture in case you have a credit card. - Additional discounts
You will get some special discounts since you happen to be a cardholder. It will be possible to get somewhere between 5% and 25% off on the purchase which will depend on your purchase cost. The discount will be bigger in case the purchase price is higher. For instance, in case you are purchasing furniture whose price is $3,000, it can be pretty much guaranteed that you will get 25% off so long as your credit card is used for making the payment. - Online access
You will find it quite simple to manage your credit card account because of Ashley Furniture. It’ll be possible to have access to your account 24 hours a day. It’ll be feasible to make or schedule a payment, preview your balance, or simply review the process only. There is no doubt that it happens to be a fantastic tool that will not be offered by every credit card company in the digital world of today.
Conclusion
You might find it quite enjoyable to purchase furniture or it might also give you a nightmare in the long run. However, an Ashley Furniture credit card will help to make your experience a pleasant one. It has got some of the top-quality products in the industry, and they also come with an extensive range of designs fitting lots of styles.
Where is it possible to use my Ashley Furniture credit card?
It’ll be possible to use this particular credit card only in Ashley Furniture outlets and on the website of company since it is not a part of networks like Visa or MasterCard.
Who will issue the Ashley Furniture credit card?
It is only Synchrony Bank that will issue these credit cards mentioned in this article.
At what particular outlet is it possible to use Ashley Furniture credit cards?
It is a fact that this card can only be used at Ashley Furniture and nowhere else.
