Where to send your Raymour and Flanigan credit card payment

Raymour and Flanigan issues its credit card through Synchrony Bank, so your payment goes to Synchrony, not directly to the furniture store. You can pay online through your Synchrony account, by phone, by mail, or in person at a Raymour and Flanigan location. The method you choose affects how quickly the payment posts and whether you can set it to happen automatically.

Your billing statement or credit card agreement will list the mailing address for payments sent by check or money order. That address is typically a Synchrony processing center, not a Raymour and Flanigan store. If you cannot find the address on your statement, you can call the customer service number on the back of your card to confirm where to send a payment.

Key Takeaways

  • Online payment through your Synchrony account is the fastest method and typically posts within one business day.
  • Phone payments can be made by calling the number on your credit card statement, and you will need your account number and payment amount ready.
  • Mail payments should be sent to the address listed on your statement, and you should allow 7 to 10 business days for the payment to reach and post to your account.
  • In-store payments at Raymour and Flanigan locations may be available but vary by location, so call ahead to confirm your store accepts them.

Paying online through your Synchrony account

Log in to your Synchrony account at Synchrony.com or through the Synchrony mobile app. Once logged in, select your Raymour and Flanigan credit card account and look for the payment or bill pay section. You will enter the amount you want to pay and choose the date the payment should be sent.

Online payments typically post to your account within one business day. You can set up a one-time payment or arrange automatic recurring payments if you want the same amount deducted on the same date each month. If you set up automatic payments, make sure your bank account has enough funds on the scheduled date to avoid overdraft fees.

Paying by phone

Call the customer service number printed on the back of your Raymour and Flanigan credit card. A representative will ask for your account number, the amount you want to pay, and the bank account or debit card you want to pay from. Phone payments are usually processed the same business day you call.

Have your checking account number and routing number ready if you are paying from a bank account, or your debit card number if you are paying that way. The representative may ask security questions to confirm your identity before processing the payment. Some customers prefer phone payments because they can speak to someone if they have questions about their balance or account.

Paying by mail

Write a check or money order for the amount you owe and mail it to the address shown on your billing statement. Include your account number on the check so the payment is credited to the correct account. Mail payments typically take 7 to 10 business days to arrive and post, so send your payment early if your due date is approaching.

Keep a copy of your check or a photo of the money order receipt for your records. If you are concerned about whether your payment arrived, you can log into your Synchrony account online to see when the payment posts, or call customer service to ask about the status of a mailed payment.

Paying in person at a Raymour and Flanigan store

Some Raymour and Flanigan locations accept credit card payments in person at the customer service desk. Not all stores offer this option, so call your local store before visiting to confirm they can take a payment. If they do accept payments, bring your credit card or account number and the amount you want to pay.

In-store payments may post to your account the same day or within one business day, depending on when the store processes payments. This method works best if you are already shopping at the store or live near one, but it is not faster than paying online.

What to do if you miss a payment or pay late

If your payment does not arrive by the due date shown on your statement, your account may be reported as late to credit bureaus. Late fees are added to your balance, and your interest rate may increase. Contact Synchrony customer service as soon as you realize a payment will be late to discuss your options.

If you are having trouble making a payment, Synchrony may offer hardship programs or payment arrangements. Call the number on your card to speak with a representative about what options might be available to you. The sooner you contact them, the more options you may have.

Setting up automatic payments to avoid missed due dates

Automatic payments remove the need to remember your due date each month. Log into your Synchrony account online or through the mobile app and select the option to set up automatic payments. You can choose to pay a fixed amount each month, your full statement balance, or your minimum payment.

If you choose to pay your full balance automatically, your payment will be deducted a few days before your due date. This method helps you avoid late fees and interest charges if you carry a balance. Make sure your bank account has enough funds on the scheduled payment date, or the payment may fail and trigger overdraft fees from your bank.

Frequently Asked Questions

How long does it take for an online payment to show up on my account?

Online payments through your Synchrony account typically post within one business day. If you pay on a Friday evening, the payment may not show until Monday. Check your account online to confirm the payment has posted before assuming it did not go through.

Can I pay my Raymour and Flanigan credit card bill at the store?

Some locations accept payments at the customer service desk, but not all stores offer this option. Call your local Raymour and Flanigan store to ask whether they take credit card payments in person. If they do, bring your account number and the amount you want to pay.

What happens if I pay after the due date?

Late payments are reported to credit bureaus and trigger late fees added to your balance. Your interest rate may also increase. Contact Synchrony customer service right away if a payment will be late to discuss whether payment arrangements or hardship options are available.

Can I set up automatic payments for just part of my balance?

Yes. When you set up automatic payments through your Synchrony account, you can choose a fixed dollar amount each month, your full statement balance, or your minimum payment. Select the option that works best for your budget.

What if my online payment fails?

A payment may fail if your bank account does not have enough funds or if the account information is incorrect. Log into your Synchrony account to see the status of your payment. If it failed, you will see an error message explaining why. Update your bank account information or try again with a different payment method.