How to Pay Your Raymour and Flanigan Furniture Bill Online and by Mail

Raymour and Flanigan's bill payment methods

Raymour and Flanigan, a furniture retailer with locations across the Northeast and Mid-Atlantic, lets you pay your bill through their website, by phone, or by mail. The method you choose depends on whether you have a Raymour and Flanigan credit card account or a regular purchase account, and how quickly you need the payment to post.

If you financed furniture through their in-house credit card (often called a Raymour and Flanigan card or a Synchrony card, depending on when you opened the account), you can pay online through the cardholder portal or by calling their customer service line. If you made a one-time purchase and received an invoice, you can pay by mailing a check to the address on that invoice or calling to pay by phone.

The company does not offer automatic recurring payments through their own system, so you will need to make each payment manually or set up a reminder to pay before your due date.

Key Takeaways

• Raymour and Flanigan credit card holders can pay online through the Synchrony cardholder portal or by calling the number on the back of their card.
• Customers with a regular invoice can pay by mailing a check to the address printed on the invoice or by calling Raymour and Flanigan directly.
• Online payments typically post within one to two business days, while mailed checks may take five to seven business days to clear.
• Late payments on a Raymour and Flanigan credit card account will be reported to credit bureaus and may result in interest charges and fees.

Paying a Raymour and Flanigan credit card account online

If you opened a credit card account with Raymour and Flanigan, your account is likely managed by Synchrony Bank, which handles the company's financing. To pay online, visit the Synchrony cardholder portal at mysynchrony.com and log in with your username and password. If you do not have a login, you can create one by entering your card number and other identifying information.

Once logged in, select "Make a Payment" and choose your payment method. You can pay from a checking or savings account (which typically posts within one to two business days) or set up a one-time debit. Synchrony also allows you to pay by phone at the number on the back of your card, where a representative can process the payment when ready.

When you pay online or by phone, you can choose to pay your full balance, your minimum payment, or a custom amount. Make sure to pay by the due date shown on your statement to avoid late fees and interest charges.

Paying by mail or phone

If you received an invoice from Raymour and Flanigan for a one-time purchase or layaway, the invoice will show a mailing address where you can send a check. Write your account or invoice number on the check and mail it to the address provided. Mailed payments typically take five to seven business days to reach the company and post to your account, so send your payment well before the due date.

You can also call Raymour and Flanigan directly to pay by phone using a debit card or checking account. The phone number is usually printed on your invoice or receipt. A customer service representative will take your payment information and process the transaction over the phone. Ask for a confirmation number before you hang up.

If you are unsure whether you have a credit card account or a regular invoice, check your paperwork or call the store where you made your purchase. They can tell you which payment method applies to your account.

What happens if you miss a payment

If your payment does not arrive by the due date, Raymour and Flanigan or Synchrony will charge a late fee (the amount varies by your account terms) and may explore interest to your balance. Late payments are reported to the three major credit bureaus — Equifax, Experian, and TransUnion — and will appear on your credit report for up to seven years.

If your account falls 30 days or more behind, the company may freeze your account and stop allowing new purchases. They may also refer your account to a collection agency if the debt remains unpaid for several months. If you are having trouble making a payment, contact Raymour and Flanigan or Synchrony as soon as possible to discuss your options.

Payment timing and posting

The time it takes for your payment to post depends on how you pay. Online payments made through the Synchrony portal typically post within one to two business days. Phone payments may post the same day or within one business day. Mailed checks usually take five to seven business days to arrive and clear, so you should mail your payment at least a week before your due date to be safe.

Weekends and holidays do not count as business days, so a payment made on a Friday may not post until Tuesday. If you are close to your due date, paying online or by phone is faster and more reliable than mailing a check.

Finding your account information

Your Raymour and Flanigan credit card statement or invoice will show your account number, due date, and minimum payment. If you have a Synchrony card, your statement may come in the mail or you can view it online through the Synchrony portal. If you have a regular invoice, the payment address and due date are printed on the invoice itself.

If you cannot find your statement or invoice, call Raymour and Flanigan customer service or the Synchrony customer service number on the back of your card. They can provide your account number, current balance, and due date over the phone.

Frequently Asked Questions

Can I set up automatic payments with Raymour and Flanigan?

Raymour and Flanigan does not offer automatic recurring payments through their own system. However, if your account is managed by Synchrony, you may be able to set up autopay through the Synchrony portal. Check your account settings or call Synchrony at the number on the back of your card to ask whether this option is available for your account.

What is the phone number to pay my Raymour and Flanigan bill?

If you have a Synchrony credit card, call the number on the back of your card. If you have a regular invoice, call the Raymour and Flanigan store where you made your purchase or look for a customer service number on your invoice. Have your account number and payment information ready when you call.

How long does a mailed check take to post?

Mailed checks typically take five to seven business days to arrive and clear. To avoid late fees, mail your payment at least a week before your due date. If you are close to the important date, pay online or by phone instead.

Will a late payment hurt my credit score?

Yes. Payments that are 30 days or more late are reported to credit bureaus and will lower your credit score. Late payments stay on your credit report for up to seven years. Paying on time is the best way to protect your credit.

Can I pay my Raymour and Flanigan bill with a credit card?

Raymour and Flanigan does not accept credit card payments directly. You can pay with a debit card, checking account, or by mailing a check. Some third-party bill payment services may allow you to pay with a credit card, but you would be responsible for any fees they charge.