Synchrony Bank is a major financial institution that offers a variety of services, including credit cards, loans, and investment options. One of their most popular products is the Ashley Furniture credit card. Synchrony Bank Ashley Furniture reviews are mostly positive, with customers praising the company for its low interest rates, good customer service, and easy-to-use website.
What is Synchrony Bank Ashley Furniture?
Synchrony Bank is the exclusive financing partner for Ashley Furniture. If you’re thinking of purchasing furniture from Ashley, you may be wondering what financing options are available through Synchrony Bank. In this article, we’ll take a look at the Synchrony Bank Ashley Furniture credit card and its benefits, as well as some things to keep in mind before you apply.
The Synchrony Bank Ashley Furniture credit card can only be used at Ashley Furniture stores, both online and in-person. This means that if you’re looking to finance a purchase from Ashley, this is the card you’ll need. The biggest benefit of the Synchrony Bank Ashley Furniture credit card is that it offers promotional financing for purchases made at Ashley Furniture. This means that if you make a purchase at Ashley and pay it off within the promotional period, you won’t accrue any interest on your purchase. Promotional periods vary depending on the amount of your purchase, so be sure to check with Synchrony Bank before you make your purchase.
If you’re considering applying for the Synchrony Bank Ashley Furniture credit card, there are a few things to keep in mind. First, this card does require good to excellent credit for approval. If you don’t have good credit, you may still be able to get approved for a different financing option through Synchrony Bank. Additionally, this card has an annual fee of $59.
How does it work?
Synchrony Bank offers a Ashley Furniture credit card that can be used at any Ashley Furniture location or online. To apply, you must be at least 18 years old and have a valid government-issued ID. You will also need to provide your Social Security number. If you’re approved, you’ll receive a credit limit and APR.
Once you have your Ashley Furniture credit card, you can use it to make purchases at any Ashley Furniture location or online. When making a purchase, you’ll need to provide your credit card number, expiration date, and CVV code. You can also choose to pay your bill in full or make monthly payments. If you make monthly payments, interest will accrue on your balance.
What are the benefits?
If you’re looking for a new furniture set, you may be considering Ashley Furniture. But what are the benefits of going with Synchrony Bank Ashley Furniture?
For starters, Synchrony Bank offers financing options for Ashley Furniture purchases, so you can spread out the cost of your new furniture over time. They also offer a number of promotional financing options, so you can save money on your purchase.
Synchrony Bank is also one of the few furniture retailers that offers a price match guarantee. So if you find a lower price on an identical item from another retailer, Synchrony Bank will match it.
Finally, Synchrony Bank offers free shipping on all Ashley Furniture orders over $999. So if you’re looking to furnish your entire home with Ashley Furniture, you can do so without spending a fortune on shipping fees.
What are the drawbacks?
There are a few potential drawbacks to consider before signing up for a Synchrony Bank Ashley Furniture credit card. First, the interest rate on the card is relatively high, so carrying a balance could become expensive. Second, there is an annual fee of $99, which is not waived even for customers with good credit. Finally, late payments come with a hefty penalty of up to $38. So if you’re looking to finance your Ashley Furniture purchase and want to avoid paying interest or fees, this might not be the best option for you.
How to use Synchrony Bank Ashley Furniture
If you’re looking to finance your Ashley Furniture purchase, Synchrony Bank is a great option. They offer promotional financing options with no interest if paid in full within a certain time frame. You can apply for financing online or in-store.
To use Synchrony Bank financing, simply select the option at checkout when purchasing your furniture. You’ll need to provide some basic information and will be asked to create an account. Once approved, you’ll have a credit limit that you can use towards your purchase. Be sure to make your payments on time and in full to avoid paying interest on your balance.
Conclusion
Overall, Synchrony Bank’s Ashley Furniture credit card is a great option for those who frequently shop at Ashley Furniture or who want to take advantage of the store’s promotional financing offers. The card offers a decent rewards rate on Ashley Furniture purchases and has no annual fee, making it a good choice for budget-conscious shoppers. However, keep in mind that you’ll need good to excellent credit to qualify for this card, so if your credit score isn’t up to par, you may want to consider other options.