Personal Finance Syndication Network

Rooms to go synchrony credit card

Resolving Debt with Synchrony Bank

Many branded store, and specialty credit cards, are serviced by Synchrony Bank. If you are wondering whether you card is serviced by Synchrony, I provide a list of known businesses that use them below.

As you can see, Synchrony is not just about its flagship relationships like Amazon, and Care Credit. They do a ton of financing with fuel stations, and other auto related purchases we all need, as well as major clothing stores like Old Navy, American Eagle, and many others.

There are other credit card servicing platforms for large and small retailers, like Comenity Bank, but Synchrony is the largest. They have millions of customers.

Can’t Make Payments on a Synchrony Credit Card?

Rooms to go synchrony credit cardIf you miss a payment to Synchrony, they are likely going to charge a late fee. If your situation is such that you can get the payment and fee to them prior to your next billing cycle, you can avoid being reported as 30 days late on your credit reports.

If you are dealing with something more than a one month financial hiccup, you may want to call Synchrony, after already being late, and ask about any hardship repayment program they may offer to you. But be sure you are confident you can follow through with any reduced payment Synchrony offers on a continuing basis.

If your situation is one that causes you to miss more than one payment, or you have too many accounts that you are juggling, it may be time to seek out a more permanent solution.

You may have passed the point where temporary relief, or Synchrony waiving a late fee, is going to be helpful. This is often the case when you do not have enough income to meet all your bills each month. When this happens, you are typically looking at the following 3 mainstream methods for getting debt relief.

  1. Enroll in a consumer credit counseling program and get all of your credit card debts under control. Review that link for a complete understanding of how credit counseling can help you. The gist is that your interest rates are reduced through agreements the counseling agency has with Synchrony and your other lenders.
  2. Be late enough with payments to Synchrony in order for them to settle with you for less than what you owe. I often target Synchrony settlements at 40% of the balance owed (there are reasons to aim lower, or accept higher). You can sometimes split that up into 3 months if your account has not been charged off. And you will often find you are dealing with debt collection agencies and debt buyers the longer your account has gone unpaid.
  3. You could file chapter 7 bankruptcy and wipe out all unsecured debts. Be sure to review your situation with an experienced bankruptcy attorney. There are income and asset considerations for each state that can vary, and prevent you from filing.

Anything but paying Synchrony on time, all the time, is going to have an impact to your credit score, or your ability to access new credit products and loans. Be sure to review this article about how debt relief hurts your credit before you make any assumptions. The truth may surprise you.

There is usually more to think about when your settling debts with Synchrony. Most of us have more than one debt we are struggling to keep current, and Synchrony balances may be the lowest on our list. In fact, the smaller the balance (less than $1500), I will often discourage falling behind if it can be avoided.

It is also important to point out that Synchrony is one of the few lenders that will refuse to send you a written agreement, or settlement letter, outlining what you negotiated with them over the phone, until your payments are set up in the system. I typically encourage you to record the phone call where you are covering all that you are agreeing to with them. Use an old-school tape recorder on speaker phone, or download one of the free apps. Be sure to tell them you are recording that portion of the call and why (they will not release a letter). Hold that recording until your letter arrives (they do send them).

Check out this video where I cover negotiating with Synchrony in more detail:

Be sure to reach out via the get help button if you want to talk through your options with someone. I can often answer basic questions via email, and you have the option of scheduling a 15-minute free call.

Here are the more common retailers and services that provide credit cards through Synchrony. Not all of these accounts will settle the same way, or for the same amount, but most do.

  • 76 Gas
  • AAMCO
  • ABC Warehouse
  • Abt Electronics
  • Amazon
  • America’s Tire Store
  • American Eagle Outfitters
  • American Signature Furniture
  • Ariens and Gravely Get the Gear
  • Art Van
  • Ashley Furniture HomeStore
  • Athleta
  • Banana Republic
  • Bargain Outlet
  • Belk
  • Bernina
  • Big Sandy Superstore
  • Bjorn’s
  • Bomgaars
  • Boris Home Furnishings
  • BP Visa
  • Briggs & Stratton
  • Brooks Brothers MC
  • Car Care One
  • Care Credit
  • Carpet One
  • CheapOair / One Travel
  • Chevron / Texaco Visa
  • CITGO
  • City Furniture
  • Conoco
  • Dick’s Sporting Goods MC
  • Dillard’s Amex
  • Discount Tire
  • Dream Bed
  • Drexel Heritage
  • DX Engineering
  • Ebates Visa
  • Ebay MC / Paypal MC
  • Electronics Express
  • Ethan Allen
  • eXmark
  • Field & Stream
  • Flooring America
  • Freedom to Ride
  • GAP
  • Goldsmith Store
  • Golf Galaxy
  • Google Store
  • Guitar Center
  • Haverty’s
  • HH Gregg
  • Hudson’s Furniture
  • Husqvarna
  • Hyde Park Jewelers
  • JCPenney
  • Jewelry Exchange
  • Kauffman Tire
  • Kraft Music
  • La-Z-Boy
  • Lee Michaels
  • LensCrafters
  • Levin Furniture
  • Living Spaces
  • Loves
  • Lowe’s
  • Lumber Liquidators
  • Maaco
  • Marvel
  • Massey Ferguson
  • Mattress Firm
  • McCoy’s Building Supply
  • Meineke
  • Men’s Warehouse
  • Metro Mattress
  • Midas
  • Mills Fleet Farm
  • Mohawk Flooring
  • Musician’s Friend
  • Napa EasyPay
  • Nautilus
  • Newell
  • Old Navy
  • Olejo
  • C. Richard & Son
  • Pearle Vision
  • Pep Boys
  • Phillips 66
  • QVC
  • Raheem
  • Reeds Jewelers
  • Regency Furniture
  • Rooms To Go
  • Sam Ash
  • Sam’s Club MC
  • Sewing and More
  • Shaw Floors
  • Shaw Floors
  • Shelly’s Furniture
  • Sleep Experts
  • Sleep Number
  • Sleep Train
  • Sleepy’s
  • Sony Store
  • Specialized
  • Star Lumber
  • Stash Hotel Rewards
  • Stein Mart MC
  • Summit Racing Equipment
  • Sunglass Hut
  • Sutherlands
  • Sweet water
  • System Pavers
  • Thomasville
  • Tire Pros
  • TJ Maxx
  • TJX Rewards MC
  • Toro
  • Toys R Us MC
  • US Appliance
  • Value City Furniture
  • Value City Furniture
  • Vine Live / Shop HQ
  • Walmart MC
  • Westrich Furniture & Appliances

This article by Consumer Recovery Network first appeared here and was distributed by the Personal Finance Syndication Network.


Rooms To Go Credit Card Payment and Login

Need to make your Rooms To Go credit card payment or looking to login to view your statement or manage your account online? Find out your payment options for this credit card just below. This guide also takes a look at this credit card and what it has to offer to help any new customers understand it before they apply. To make a payment online or manage your account, follow the link provided below on this page to the Rooms To Go credit card login. You will also find useful “pay my bill” information such as the credit card customer service number, payment mailing address, and billing phone number below.

Credit with Rooms To Go is currently offered by Synchrony Financial. Check with your account to make sure your card is Synchrony Financial, and then choose the payment option below that suits you the most.

Pay Online: The best option for most people is to register for Synchrony Financial Online. This online service can be used to make instant transfers, and one of the best things about it is that you can enroll in Autopay. Autopay is an automated monthly payment service which transfers a predetermined amount from an account of your choice each month. Synchrony Financial Online also lets you keep track of your spending. For more information on this card and the card’s issuer, head over to the Rooms To Go information page. To make your Rooms to Go credit card payment online click the “Pay Online” button below to login, register, view your statement or manage your account online.

Pay by Phone: The Rooms To Go credit card payment phone number is 1-866-419-4096. There may be a charge for this service.

Pay by Mail: The Rooms To Go credit card payment mailing address is: Synchrony Financial, PO BOX 960061, Orlando, FL 32896-0061. Please include your Rooms To Go account number on your check. Your account number is located on your statement. To ensure your Rooms To Go payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

Pay in Store: No. At this time you cannot pay your Rooms To Go credit card in stores.

Rooms To Go Credit Card Customer Service: The Rooms To Go credit card customer service number is 1-866-419-4096.

Rooms To Go is a furniture company that is known in the US as an affordable provider of high quality products and attractive brands. Like most other good furniture providers with large operations throughout many states, Rooms to Go offers its customers credit.

Specifically, the credit they currently offer is a store card and revolving line of credit, issued by Synchrony Financial. As a card issued in partnership with one of the largest retail finance providers in the US, the Rooms To Go Credit Card is naturally competitive with similar cards from similar stores.

The most attractive reason for owning this credit card is the financing offers that become available. As of writing, all qualifying purchases made before a few weeks time come with no interest applied until January 2016. No interest is charged as long as you pay the monthly minimum payments and keep in good standing. The standard APR is 29.99%, which applies to non-promotional purchases, and is the default interest for any no-interest offer that faults because you miss a payment or go over your limit. As such, if you want this card to actually save you money, you need to be very careful to keep in good standing.

Visit Rooms to Go on Facebook, Pinterest, and Google+. Rooms To Go credit card payment login, address and customer service availability make the billing process simple and easy to follow.