Rooms To Go Credit Card Login, Payment, Customer Service, and More

The interior design and furniture of indoor spaces, whether personal or professional, tells about the owner’s taste. If you love aesthetics and always looking for good furniture to enhance the look of your home or office, it can cost a lot.

Furniture is a high-end product when it comes to prices. Therefore, renovating your old furniture, adding new pieces to your bedroom or living room, or shopping for one or another piece every now and then can make up a big bill out of your pocket. Therefore, furniture lovers need something that works as a magic stick and helps them to save a lot on their purchases.

And when it comes to high-quality furniture for your homes and offices, Rooms To Go is a popular name. Fortunately, Rooms To Go has a loyalty program that allows customers to enjoy exclusive prices, discounts, and offers when they choose to shop with the company.

The company’s reward program comprises Rooms To Go credit card. In today’s article, we will discuss everything you need to know about the Rooms To Go credit card application, qualifications, card activation, payments, and a lot more.

What Is “Rooms To Go?”

Rooms To Go is an American-based furniture retailer with more than 150 stores across different states. Jeffery and Morty Seaman established the company in 1990 after they sold Seaman Furniture Company. Within 22 years of their business, the company has grown into the 3^rd largest furniture retailer in the United States.

Rooms To Go is headquartered in Seffner, Florida, and there were more than 7000 employees as per data from 2016. If we look at the previous history of the founders, they have been running Seaman Furniture Company since 1933. That company was established by Julius Seaman, grandfather of Jeffery Seaman. Kohlberg Kravis Roberts & Co. bought the company in 1988, but the boys of the family started a new furniture business with the name Rooms To Go in 1990. The first store was opened in Orlando, Florida, on September 7, 1990.

What Is Rooms To Go Credit Card?

Rooms To Go has collaborated with Synchrony Bank to issue the store credit card for consumers who want to enjoy exclusive perks and financing options when shopping at Rooms To Go. The most prominent benefit of having a Rooms To Go credit card is to purchase expensive furniture and pay the price on a periodic basis. Besides, cardholders also get exclusive offers and discounts for their purchases from the Rooms To Go stores.

Features Of Rooms To Go Card

Here are the main benefits of having a Rooms To Go credit card:

Discounts And Exclusive Offers

There are not any explicit discounts or cashback on purchases made at Rooms To Go via credit card. However, cardholders are entitled to exclusive offers and discounts occasionally. The main benefit of the card is the ability to avail of the financing options by Synchrony Bank.

Financing Options

You can avail of the financing options on your credit card and make big purchases without worrying about instant payment. They offer a low-interest rate on financing. Therefore, you won’t have to bear the high cost of financing.

No Annual Fee

There is no annual maintenance fee on the Rooms To Go credit card. However, the cardholders will have to pay a late payment and returned payment penalty of up to $41, depending on the specific case.

Events-Based Perks And Benefits

The cardholders will get extra incentives and discounts for their purchases during the promotional period whenever there is a certain sale, discount, or event-based discount.

EMI Of Upto 50 Months

You can purchase furniture on EMI with easy installments of up to 50 months. The EMI offer is valid for purchases amounting to $599.99 or more.

Incentive On Paying Bills Within Due Date

If you pay your bills within the due period(23 days), you will not be charged any APR or interest rate by the company. It will also increase your chances of improving your credit score.

Limitations Of Rooms To Go Card

There are many incentives and benefits of the Rooms To Go card, but some limitations are also there.

High APR

According to the Terms And Conditions of the Rooms To Go credit card by Synchrony Bank, an Annual Percentage Rate(APR) of 29.99% is applicable to the cardholders. However, the company follows the policy of no interest charged if payment is made within 23 days of each billing cycle. Therefore, you can avoid the soared APR by making payments before the due date.

Hard Credit Inquiry

When you apply for the Rooms To Go credit card, the website says to unfreeze your credit score before you run the pre-qualification test. It means that Synchrony Bank runs a hard credit inquiry on the applicants that can lower your credit score by a few points. There are many other alternatives where banks only run the soft credit inquiry, which doesn’t affect the credit score.

Closed-Loop Card

You can not use the Rooms To Go credit card to make payments at any store, gas station, restaurant, or café other than the Rooms To Go website or stores. The limitation of using your credit card is due to the nature of the credit card.

How To Apply For Rooms To Go Credit Card?

You can apply for Rooms To Go credit card by following these simple steps:

Go to the official website of Rooms To Go and look for the Rooms To Go Credit Card option in the footer menu. Click on Pre-Qualify or Apply Now.
It will redirect you to the official page of the RTG card by Synchrony Bank. The page will have input fields where you will enter the required information, like the last 4 digits of your SSN/ITIN and mobile number.
Tap on Continue. The bank will run the credit inquiry on your details to see if you qualify for the card. Once you pre-qualify, the application is processed. People with good credit scores should not worry as there are strong chances to qualify on the same day.
Once qualified, fill out the application form that includes your personal details, financial details, and other information.

Activate Your Credit Card

If your application is approved by Rooms To Go and Synchrony Bank, you will receive your credit card at the mailing address. Once you have received your credit card, you will need to activate it to make payments when purchasing at Rooms to Go.

You can activate your credit card by calling on the number of Synchrony Bank dedicated to Rooms To Go credit cards. Your credit card has a sticker pasted on the front. It has a hotline for card activation. You can call on the toll-free number and follow the instructions to activate your credit card.

If you don’t know the phone number, here it is: 1-866-396-8254

Register For Online Access

You can register for your online account and access the account for managing payments, receiving offers, and account management. Here are the simple steps to register an account for online access:

Visit the official Rooms To Go credit card website by Synchrony Bank here.
Tap on Login in the header menu, which will open the Access Your Account page.
Look for I want to Register option and tap on it.
The account registration page will open. There are four steps to complete the registration process: account lookup, verification, profile setup, and confirmation.
Enter your card account number, last four digits of SSN, and date of birth, and tap on Continue.
Verify your contact details and continue to the next step.
Now set up your profile, including making a new username and password for future logins. The final step is to confirm your account registration.

How To Make Bill Payments For Rooms To Go Card?

Here are different ways you can use to pay your Rooms To Go card bills:

Via Phone

Pay your bills by calling on the credit card customer service number of Rooms To Go, which is as follows: 1-866-226-5638. However, make sure you double-check the bill before making the call.

Once you make the call, talk to the customer representative of Synchrony Bank and provide him the verification information like SSN. To complete the payment, you must provide your account and bank routing numbers. Once confirmed, your account will be charged for the amount of the bill.

Online

You can pay your Rooms To Go credit card bills via an online account by logging in or staying anonymous.

Visit the official webpage of the Rooms To Go credit card here.
Tap on Login, and you will be redirected to the login page.
Enter the username and password you created during the registration process. Alternatively, you can choose to pay as a guest.
Once logged in, follow the on-screen prompts to complete the transaction.

Via Mail

You can also pay your credit card bill by writing a check for the due amount. Mention the bank name and due amount on the check. Also, attach the remittance slip with the check. Mail your bill checks to the mailing address of the Rooms to Go credit card which is as follows:

Rooms To Go/ Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

Rooms To Go Card Customer Service

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-866-226-5638

Mail

Alternatively, you can send your credit card-related queries to the mailing address of the Rooms To Go credit card:

Payments: