Where and how to pay your Rooms To Go credit card
Rooms To Go issues its credit card through Synchrony Bank. You can pay your bill online through the Synchrony website, by phone, by mail, or in person at a Rooms To Go store. The fastest method is online at mysynchrony.com — you'll log in with your account number and make a one-time payment or set up automatic payments from your bank account.
If you prefer to call, Synchrony's customer service number is on the back of your card. Have your account number and the amount you want to pay ready. Payments made online or by phone typically post within one business day, though the exact timing depends on your bank.
Mailing a check takes longer — allow 7 to 10 business days for it to arrive and post. Make the check payable to Synchrony Bank and include your account number on the check itself. The mailing address is on your monthly statement.
Key Takeaways
- Pay online at mysynchrony.com, by phone using the number on your card, by mail, or at a Rooms To Go store location.
- Online and phone payments usually post within one business day; mail payments take 7 to 10 days.
- Set up automatic payments through Synchrony if you want your bill paid on the same date each month.
- Your monthly statement shows the full balance, minimum payment due, and the due date — paying only the minimum means you'll pay interest on the rest.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into mysynchrony.com, go to the payment settings, and choose the amount you want to pay each month — you can pay the full statement balance, a fixed dollar amount, or just the minimum. Select the date the payment should come out of your bank account each month.
You can change or cancel automatic payments anytime through your online account. If you set it up to pay your full balance automatically, you'll avoid interest charges as long as you don't add new purchases after the payment is scheduled.
What happens if you miss a payment
If your payment is late, Synchrony will charge a late fee — the amount depends on your account terms but typically ranges from $25 to $40 for the first late payment. More importantly, a late payment can trigger a higher interest rate on your card, and it will show up on your credit report if it's 30 days or more overdue.
If you're going to miss a due date, call Synchrony before it happens. They may be able to waive a single late fee or work out a payment plan, especially if you've had a good payment history. Once a payment is 60 days late, your options narrow significantly.
Understanding your statement and balance
Your monthly statement from Synchrony shows three key numbers: your current balance (everything you owe), your minimum payment due, and your due date. The statement also breaks down how much of your balance is from new purchases, how much is interest, and how much is from previous months.
Paying only the minimum means the rest of your balance carries over to next month with interest added. If you have a large purchase, paying only minimums can take years to pay off and cost significantly more in interest. Paying the full statement balance each month means you pay no interest at all.
How interest and fees work on this card
The Rooms To Go credit card charges interest on any balance you don't pay in full by the due date. The interest rate (called the APR, or annual percentage rate) varies based on your credit score and creditworthiness — Synchrony will tell you your rate when you open the account and on each statement.
The card also charges a late fee if your payment arrives after the due date, and some versions charge an annual fee. Check your account terms or call Synchrony to confirm what fees apply to your specific card. Promotional financing offers — like "12 months no interest" on furniture purchases — have their own rules; if you don't pay off the promotional balance by the end of the period, interest is charged on the full amount retroactively.
Paying off a promotional financing offer
Rooms To Go frequently offers promotional financing, such as 12 or 24 months with no interest on purchases over a certain amount. These offers are real, but they come with a catch: if you don't pay off the full promotional balance by the end of the period, Synchrony charges interest on the entire original amount, not just what's left.
If you have a promotional offer, set a reminder for one month before it ends. Make sure your balance is zero by the deadline. If you can't pay it off in time, contact Synchrony to discuss your options — sometimes they'll extend the promotional period if you ask before it expires, though this is not may provide.
Disputing charges and getting help
If you see a charge on your statement that you don't recognize or believe is wrong, contact Synchrony within 60 days. You can dispute the charge through your online account or by calling the number on your card. Synchrony will investigate and either remove the charge, explain why it's correct, or work with you on a resolution.
If you're struggling to pay your bill, call Synchrony before you fall behind. They have hardship programs that may lower your interest rate or allow you to pause payments temporarily. These programs are not automatic — you have to ask for them.
Frequently Asked Questions
Can I pay my Rooms To Go credit card at a store?
Yes. You can make a payment at any Rooms To Go location, and they'll process it immediately. Bring your card or account number and the amount you want to pay. This is useful if you're already at the store, but online or phone payments are faster if you're paying from home.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement was generated — usually the last day of the month. Your current balance includes any new charges or payments you've made since then. You only owe the statement balance by the due date; new charges after the statement date aren't due until next month's due date.
Will paying late hurt my credit score?
Yes, but only if the payment is 30 days or more overdue. A payment that's a few days late costs you a late fee but won't show up on your credit report. Once it hits 30 days late, it becomes part of your credit history and can lower your score for up to seven years.
What happens if I pay more than the minimum?
Any amount over the minimum goes toward paying down your balance faster, which means less interest charges overall. If you pay the full statement balance, you pay no interest at all. Extra payments don't hurt you — they only help reduce what you owe.
Can I change my due date?
Yes. Log into mysynchrony.com or call Synchrony to request a different due date. They typically allow you to move your due date to any day of the month. This can help if your due date falls before you get paid.