Unexpected expenses can come up, like an uninvited guest, at any time. You might wake up one day and find that the refrigerator is not working or some of your kitchen appliances has stopped working. You might not be prepared for such an expense with no room in your budget. What to do in that case?
Similarly, people who are moving to their new house will need new appliances, furniture, etc. And there is no doubt about how much furniture costs in the United States. You will be wondering if there is a way you can adopt to get a replacement as well as not get exhausted financially.
We will introduce a practical method you can opt for and get all appliances you want without getting exhausted.
P.C. Richard and Son is a popular American store chain where you can purchase all kinds of electronics and furniture. You can purchase from P.C. Richard and Son if you want a new audio system, a laptop, home appliances, home theatre, air conditioners, or even smart home systems.
You must be wondering how P.C. Richard & Son solve the problem. So the answer lies in the financing options that come with P.C. Richard’s credit card. We will discuss P.C. Richard’s credit card and everything you need to know about it to get economical and affordable financing options.
So let’s get into it.
What Is P.C. Richard Credit Card Program?
P.C. Richard & Son’s credit program is unlike most in-store cards that come with many discounts, coupons, and perks. Instead, the basic purpose of the credit card program is to facilitate customers with practical financing options.
P.C. Richard & Son has collaborated with Synchrony Financials to offer store credit cards to customers. The card has a revolving credit limit that can be used at P.C. Richard & Son to make several purchases time and again. It is not a Mastercard or Visa card, meaning you can’t use it at any store other than P.C. Richard & Son.
Features Of P.C. Richard Credit Card
Here are the main features of the P.C. Richard & Son credit card:
Zero Fraud Liability
The credit card of P.C. Richard & Son has zero fraud liability, so you don’t have to worry if your card gets lost. The company offers zero fraud liability, and the customers don’t have to pay a cent for any unauthorized purchases. It means that if you are worried about someone using your credit card, there is nothing to worry about.
No Annual Fee
The credit card has no maintenance or annual fee. It means that if you have used the credit card once and do not plan to purchase anything in the next few months, you don’t have to care about the monthly charges of keeping the card.
Notifications About Sales And Discounts
When you become a member of P.C. Richard & Son’s credit card program, you get regular notifications about the sales, discounts, events, and offers at P.C. Richard.
Convenient Monthly Payment
The financing options of P.C Richard & Son are very convincing and practical. You can make big purchases without getting worried about the upfront costs. Richard’s credit card financing options allow you to divide the total cost into convenient monthly payments to suit your budget.
Special Financing Options
When it comes to the financing options of the P.C. Richard & Son’s credit card, there are too many special financing options for different kinds of purchases. Here are the special financing options for credit cardholders:
- Appliances Special Financing
6-months financing on qualified purchases
12-months financing on qualified purchases of more than $499
- Electronics Special Financing
6-months financing on qualified purchases
12-months financing on qualified purchases of more than $499
- Mattress Special Financing
6-months financing on all purchases
12-months financing on qualified purchases between $499-$998
24-months financing on qualified purchases between $999-$1498
36-months financing on qualified purchases between $1499 and above
- Special Offers
6-months financing on all purchases not qualifying for another offer listed
12-month special financing on T.V.s priced $499 or above
Free Shipping
Credit card users get entitled to free shipping on qualifying purchases.
Qualification Criteria For P.C. Richard Credit Card
If you want to get a credit card from any company, you must fulfill the basic qualification criteria. Fair credit score, U.S. citizenship, etc., are some of the basic requirements every company demands to be fulfilled. If we talk about P.C. Richard’s credit card, here are the criteria to qualify for P.C. Richard credit card:
- You must be a U.S. citizen or a permanent resident of the United States
- You must be above the age of majority according to the rules of your state
- A physical residential address in the United States
- Fair credit score to increase chances of approval
- Government-issued SSN or I.D. proof
- Active email address and phone number
- Prequalification for a credit card from P.C. Richard & Son card
How To Apply For Credit Card?
Here is how you can apply for the P.C. Richard & Son credit card:
Step 1: Prequalify For Card
P.C. Richard & Son will only offer the credit card to the customers who prequalify for the credit card. Therefore, you will need to go through prequalification. Visit the official webpage for prequalification here.
Enter the last four digits of your SSN or ITIN, and then enter the mobile number.
Tap on Continue and wait for the pre-approval email from Synchrony Financials.
Step 2: Enter Your Personal Details
Once you have received the pre-approval email, the next step is to apply for the card by filling out the form. Visit the official website here and browse to Complete Application.
Enter your personal details like your first name, last name, mobile number, last four digits of your SSN, etc.
Tap on Continue.
Step 3: Enter Your Contact Details
The second section is about entering the contact details like your residential address, email, and other required contact details. Tap on Continue.
Step 4: Enter Your Financial Information
The last section is about financial information, where you must fill in the required financial information fields. Once entered, click on Continue.
Step 5: Complete The Application
The last step is reviewing the Terms and Conditions of Synchrony Bank, ticking the checkboxes, and clicking on Submit Application. Once you have completed the application, you must wait to receive your credit card at your residential address.
Activating Your P.C. Richard Credit Card
Once you receive your credit card, you need to activate it. Here is the step-by-step guide to activating your card:
- Call on the number given on the sticker pasted on the front of a credit card.
- Verify your personal details on the call.
- Finally, activate your credit card and account. Now you can use your credit card for making purchases at P.C. Richard & Son.
How To Register For Online Access?
Once you have activated your card, you can use it to make purchases. However, if you want to register for online access, here are the steps you need to follow:
- Visit the official webpage of Synchrony Financials for P.C. Richard & Son card here.
- Click on the Login button at the top of the webpage.
- Since you want to register for online access, click “I want to Register,” which will redirect you to a new page.
- Enter your account number, date of birth, SSN, etc., and register for online access.
- The next step is the verification of your mobile number and email address.
- Once verified, create your username and password for future logins.
How To Make P.C. Richard Card Payments?
Here are different methods to make P.C. Richard card payments:
Online
To make online payments, follow these simple steps:
- Log in to your online account for P.C. Richard & Son card management.
- Go to the Payments Section from the online website.
- Enter the payment details(credit card account, bill amount, etc.)
- Enter your bank account, routing number, etc., and complete the payment.
In-Store
You can also make your credit card payments in P.C. Richard & Son stores. Visit the nearest store of the company and pay your bills via cash or checks.
Via Call
You can also make your payment via call, and here are simple steps you need to follow:
- Call on the official number, which is 1-877-800-4727.
- Follow the on-call prompts and enter your bank account details.
- Schedule the payment, and pay your credit card bill.
Via Mail
You can also pay your P.C. Richard & Son card bill by sending checks or money orders to the official mailing address of Synchrony Financial, which is as follows:
Synchrony Financial
P.O. Box 960061
Orlando, FL 32896-0061
Customer Service Of P.C. Richard
Here are the Customer Service details of P.C. Richard & Son:
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-877-800-4727
Alternatively, you can send your credit card-related queries to the mailing address of Synchrony Financial Credit cards here:
Synchrony Bank,
P.O. Box 960061,
Orlando, FL 32896-0061