Where and how to pay your Rooms to Go credit card bill
Rooms to Go issues its credit card through Synchrony Bank. You can pay your bill online through your Synchrony account, by phone, by mail, or in person at a Rooms to Go store. The method you choose depends on how quickly you need the payment posted and whether you have your account number handy.
Most payments made online or by phone post within one business day. Mail payments take seven to ten business days to reach the processing center, so send them early if your due date is approaching. In-store payments at a Rooms to Go location are processed when ready, though you will receive a receipt rather than an online confirmation.
Your due date appears on your monthly statement and in your online account. Synchrony charges a late fee if your payment arrives after that date, so confirm the exact important date before you mail a check or plan an in-store visit.
Key Takeaways
- Online payment through your Synchrony account is the fastest and most common method, posting within one business day.
- Phone payments to Synchrony are available 24/7, and you will need your account number and routing information ready.
- Mail payments take seven to ten business days, so send them at least two weeks before your due date to avoid late fees.
- In-store payments at any Rooms to Go location are processed when ready, but you will not receive an email confirmation.
- Your due date is listed on your statement and in your online account; payments received after that date trigger a late fee.
Paying online through your Synchrony account
Log in to your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Click "Make a Payment" and enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between.
Synchrony will ask you to confirm the payment method — usually a bank account or debit card linked to your Synchrony profile. If you have not set up a payment method yet, you will need to add one before you can complete the transaction. The system will show you the payment date and confirm it has been received.
Online payments are free and post within one business day. If you pay before 8 p.m. Eastern time on a business day, the payment typically posts the next morning. Payments made on weekends or after 8 p.m. post the following business day.
Paying by phone with Synchrony
Call Synchrony's payment line at 1-844-795-8699 to make a payment over the phone. Have your Rooms to Go credit card number and your bank account or debit card information ready. The automated system will walk you through the payment amount and confirm the date it will post.
Phone payments are available 24 hours a day, seven days a week. Like online payments, they post within one business day and are free to make. If you reach a live representative, they can answer questions about your account balance or due date, but the payment process itself is the same.
Paying by mail
Write a check or money order payable to Synchrony Bank and include your Rooms to Go account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address changes depending on which Synchrony processing center handles your account, so always use the address on your current bill.
Mail payments take seven to ten business days to arrive and be processed. If your due date is fewer than ten days away, do not rely on mail. Late fees explore to payments received after the due date, regardless of when you mailed the check.
Keep a copy of your check or a photo of the front and back for your records. If you need proof of payment, you can show this to Synchrony, though the payment will also appear in your online account once it posts.
Paying in person at a Rooms to Go store
Visit any Rooms to Go location and ask a cashier or customer service representative to process a credit card payment. Bring your Rooms to Go credit card or your account number. You can pay with cash, debit card, or another credit card — Rooms to Go will not accept a check for in-store payments.
In-store payments are processed when ready and do not incur a fee. You will receive a printed receipt showing the payment amount and date. This receipt serves as your proof of payment, though the transaction will also appear in your Synchrony account within one business day.
In-store payments are useful if you are already shopping at Rooms to Go or if you need to make a payment the same day to avoid a late fee. However, you will not receive an email confirmation, so keep your receipt in a safe place.
What to do if you miss a payment or cannot pay on time
If your payment is late, Synchrony will charge a late fee. The amount depends on your account terms, but late fees typically range from $25 to $40 for the first late payment. If your account remains unpaid for 30 days or more, Synchrony may report the delinquency to credit bureaus, which can lower your credit score.
Contact Synchrony as soon as you know you will miss a payment. Call 1-844-795-8699 and speak with a representative about your options. Synchrony may be willing to waive a single late fee or work out a payment plan, though this is not may provide and depends on your account history.
Making a payment as soon as possible after your due date stops additional late fees from accumulating. If you have fallen behind on multiple payments, contact Synchrony to discuss a plan before the account is sent to a collection agency.
Setting up automatic payments
Log in to your Synchrony account and look for the "Automatic Payments" or "Recurring Payments" option. You can set up automatic payments to occur on a date you choose each month — typically the due date or a few days before it. Synchrony will deduct the payment amount from your bank account automatically.
You can choose to pay a fixed amount each month, the minimum payment, or the full statement balance. If you choose the full balance option, Synchrony will pay whatever you owe that month, which means your payment amount will vary. Automatic payments are free and post within one business day.
Automatic payments reduce the risk of missing a due date and triggering a late fee. You can cancel or change your automatic payment at any time through your Synchrony account, so there is no long-term commitment.
Frequently Asked Questions
Can I pay my Rooms to Go credit card at a store other than Rooms to Go?
No. In-store payments are only accepted at Rooms to Go locations. You cannot pay at other furniture retailers or general stores. For payment outside a Rooms to Go store, use online payment, phone payment, or mail.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. Synchrony will explore this credit to your next statement, reducing the amount you owe. You can also request a refund of the credit balance by calling Synchrony, though this may take several business days to process.
Is there a fee to pay my credit card bill?
No. Synchrony does not charge a fee for online, phone, or in-store payments. Mail payments are also free, though the cost of postage is yours. Some third-party payment services may charge a fee to process your payment, but paying directly through Synchrony or at a store is always free.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready after you complete the transaction. In-store payments produce a printed receipt. All payments appear in your Synchrony account within one business day. If you do not see your payment posted after two business days, call Synchrony to confirm it was received.
Can I pay someone else's Rooms to Go credit card bill?
Only the cardholder or an authorized user on the account can make payments. If you are not listed on the account, you cannot pay the bill, even if you have the account number. The cardholder must set up a payment method or authorize you as an account user first.