Reddit
reddit.com › r/personalfinance › ashley furniture credit card
r/personalfinance on Reddit: Ashley furniture credit card
August 20, 2024 -
Disclaimer: this is our first furniture purchase and I see that we needed to be more cautious and read all the things and ask all the questions. Lesson learned.
So we bought a couch 8/11/24 from Ashley. 5-7 weeks to deliver is what we were told. We did a “no interest if paid in full within 12 months” thing. Seemed simple enough, but today I got a credit card in the mail from Ashley/TD Bank. Our sales rep never mentioned anything about a credit card to us. Just said payment starts once all furniture is delivered. I did look at our papers and there’s one I signed saying I agree the purchase is subject to terms, promotional offer, and Cardholder agreement. That’s my fault for not reading all the fine print. HOWEVER, I still don’t know what this credit card is for..? Sales rep won’t answer our calls. Does this card have our furniture balance on it and we pay toward the card? Do we use another card to pay on this card?
Can anyone offer more insight? We can make the payments but I’m just not sure what this credit card has to do with it
Top answer 1 of 5
6
Most of these deferred interest plans are tied to a credit card, so that is not unusual at all. We did a “no interest if paid in full within 12 months” Make sure you pay this off before the due date. If you don't, all of the back interest will be added to your amount due. The minimum payments they set up may not be enough to pay it off in time, so calculate your own amount. I prefer to pay these off in 11 months just so I know that I pay it off in time.
2 of 5
3
This is totally normal! If you navigate to the card website - and go to the Login area - there should be an option below where you type credentials to register a new account. Do this with the information provided with the card. Once you are in the online portal, I would suggest setting up automatic monthly payments of 10% of the balance from your checking account. You will use your routing and account number from your bank account to do this. After 10 payments it will be done and you won’t risk going into the interest deferral period or missing a monthly minimum. After 10 payments, verify the balance is done and turn off auto pay. This is how a lot of store offered promotional financing is handled. You don’t need to ever use the card again - stick it in a drawer or cut it up. No bad decisions were made based on what you said. Welcome to adult stuff!
Ashley
ashleyfurniture.com › financing
Ashley Advantage® Online Financing & Lease-to-Own, Quick & Easy Approval
NO MINIMUM REQUIRED FROM 11/21/25-12/8/25! On qualifying purchases made with your Ashley Advantage® Synchrony credit card.
Synchrony
synchrony.com › marketplace › partner
Ashley Advantage Credit Card | Offers, Apply, Manage Account
With the Ashley Advantage® credit card, you can make the most of convenient monthly payments so you can bring home cozy styles now and pay over time.*
Ashley furniture credit card
Most of these deferred interest plans are tied to a credit card, so that is not unusual at all. We did a “no interest if paid in full within 12 months” Make sure you pay this off before the due date. If you don't, all of the back interest will be added to your amount due. The minimum payments they set up may not be enough to pay it off in time, so calculate your own amount. I prefer to pay these off in 11 months just so I know that I pay it off in time. More on reddit.com
15
0
August 20, 2024Ashley’s furniture ran my credit with my authorization. Need help!
5 points on your credit score is nothing. Mine fluctuates by more than that every month just due to normal variations in my card usage. More on reddit.com
23
0
July 22, 2024Ashley Furniture Store Card or Loan or Another option?
Do you have any open installment loans? More on reddit.com
9
1
January 9, 2021Ashley Furniture Black Friday deal - need their Credit Card to meet some of the deals
If you make new purchases on the card you have a 60 month (5 year) no interest period at 0%.
If you DO NOT pay off the entire promotional balance by the end of the 0% interest period, you will owe interest (on the promotional amount) and going forward at 29.0% interest.
For example, if you charge $3500 - in order not to be charged interest you need to have paid this amount in TOTAL before the expiration of the 0% APR (or promotional) period.
More on reddit.com 8
2
November 7, 2021Can I use my Ashley Furniture Credit Card during a Debt Management Plan?
No. Cards enrolled in a DMP are typically closed to new charges to support successful repayment.
moneyfit.org
moneyfit.org › ashley-furniture-credit-card
Ashley Furniture Credit Card Debt Help | Money Fit
Can my Ashley Furniture Credit Card be included in a Debt Management Plan?
Yes. Ashley Furniture Credit Cards issued by Synchrony Bank are generally eligible for inclusion in Debt Management Plans, subject to your account status.
moneyfit.org
moneyfit.org › ashley-furniture-credit-card
Ashley Furniture Credit Card Debt Help | Money Fit
Will enrolling in a Debt Management Plan impact my credit score negatively?
Initially, your score may slightly decrease, but consistent, timely payments typically lead to long-term credit improvements.
moneyfit.org
moneyfit.org › ashley-furniture-credit-card
Ashley Furniture Credit Card Debt Help | Money Fit
Money Fit
moneyfit.org › ashley-furniture-credit-card
Ashley Furniture Credit Card Debt Help | Money Fit
The Ashley Furniture Credit Card provides customers with special financing options and exclusive offers. However, maintaining balances month-to-month can lead to rapidly accumulating interest and financial stress.
Myonlineaccount
myonlineaccount.net › findterms.html
My Online Account
Select Your Account Type: · Cub Cadet Consumer View Terms Cub Cadet Commercial View Terms
Mysynchrony
etail.mysynchrony.com › eapply › eapply.action
See if you prequalify for a Ashley Advantage® Credit Card
1New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.2Subject to credit approval. See ashleyfurniture.com/financing for details.
TD Financing
mytdfinancing.com › Ashley
Manage your Ashley Furniture Financing Account
Important Account Update: Ashley and TD Bank, N.A. are discontinuing the Ashley Credit Card program. As a result, you can no longer use your Ashley Credit Card for purchases.
Mysynchrony
etail.mysynchrony.com › eapply › eapply.action
Apply - Ashley - Verification Landing
1New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.2Subject to credit approval. See ashleyfurniture.com/financing for details.
Synchrony
synchrony.com › help › faqs
FAQs on Synchrony Credit Cards, Apps, and More | Synchrony
Find common questions regarding our credit cards including making payments, understanding promotional interest rates, using the mobile app, and more.
Gardner White
gardner-white.com › finance
Finance Furniture at Gardner-White Furniture
^Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Offer available for furniture and mattress purchases of $75 or more. ... Extra 30% Off: Some exclusions apply to items marked "Free Shipping," mattresses, clearance, outlet, floor samples, delivery, gift cards, and "Final Price" items.
At Home
athome.com › creditcard.html
Apply for the At Home Insider Perks Credit Card | At Home
With the At Home Insider Perks® credit card you don’t have to choose between special financing or Rewards. You get both.
American Express
americanexpress.com › home › offers
Amex Offers | Explore Offers & Benefits with American Express®
See terms for full details. ... Earn a one-time $60 statement credit after using your enrolled eligible Card to spend a minimum of $300 in one or more purchases online at briggs-riley.com by 12/30/2025.
Bread Financial
breadfinancial.com › en › bread-financial-overview.html
Bread Financial Overview
At Bread Financial, we’re making money management easier and more convenient. We provide an array of credit card, payment, lending and saving products that give you more ways to shop, borrow and save.
NFM
nfm.com
Shop Furniture, Appliances, Electronics, & More | NFM
Save on furniture, appliances, flooring, electronics and more. Order online or shop in store. At NFM, you’ll always get a great deal. Start shopping now!
Cardis
cardis.com
Cardi's Furniture and Mattresses | Quality New England ...
We cannot provide a description for this page right now
Levin Furniture
levinfurniture.com › home › levin furniture and mattress | largest selection, lowest prices
Levin Furniture and Mattress | Largest Selection, Lowest Prices
See if you pre-qualify now with no impact to your credit bureau score! ... Shopping for furniture and mattresses can be tough, but at Levin Furniture & Mattress we make it easy. With stores throughout greater Pittsburgh and Cleveland, we’ve created a welcoming environment where customers can explore the furniture and decide what fits best in their home.
YouTube
youtube.com › watch
Where Can I Use My Ashley Furniture Credit Card? - CreditGuide360.com - YouTube
Where Can I Use My Ashley Furniture Credit Card? If you are looking to maximize your shopping experience at Ashley Furniture, this video is for you. We will ...
Published January 23, 2025
Wells Fargo
wellsfargo.com › online-banking › bill-pay
Online Bill Pay - Pay Bills Online - Wells Fargo
We don’t charge overdraft fees on Bill Pay transactions, but Bill Pay transactions can contribute to overdrafts. For example, if a Bill Pay payment reduces the available balance in your selected payment account, this can affect debit card purchases, checks, and other transactions that are presented to us for payment.