In our last article on credit card, we talked about U.S. bank visa platinum card. Likewise, in today’s article, we’re going to be talking about another credit card. The credit card I want to bring to your hearing in this article is the Rooms to Go credit card. The Rooms to Go credit card is one of the store-branded cards issued by Synchrony Bank. Actually, synchrony bank is one of the biggest issuers of credit cards in the United States. While Rooms to GO is a furniture store chain in America. It is also the third-largest furniture retailer in the United States.
Thus, if you frequently shop furniture at Rooms to Go, the Rooms to Go credit card is hugely recommended for you. At first, I need to let you know that Synchrony Bank Rooms To Go can only be used at the Rooms to Go stores. The reason being that it is not issued on any major card network like Mastercard or visa.
Also, it comes with no annual charges and it requires a low credit for approval which is quite good. On the contrary, it a high APR of 29.99% for purchases which is relatively high even for a subprime credit card. Unfortunately, it does not offer any rewards program as well. On the other hand, Rooms to Go Synchrony is worth getting if you tend to make large purchases.
Benefits of Rooms to Go Credit Card
Just like other credit cards, the Rooms to Go credit card comes with its own share of benefits. One key takeaway of this card is that it requires a fair or better credit for approval. Thus, Rooms to Go Synchrony offers the following benefits.
- It offers special financing options. You’ll enjoy a special financing period for up to sixty months on eligible purchases. Meanwhile, your purchases must be up to $999.99 or ab0ve and the special financing option is subject to credit approval.
- Rooms to Go credit card reports your account activity to the three major credit bureaus which are Equifax, Experian, and TransUnion. This demonstrates your financial responsibility and helps to improve your credit.
- It comes with a $0 annual fee.
- No down payment is required. When you by buy anything with your card, you don’t have to pay anything down apart from the cost of the sales tax and any delivery tax.
- You can use this card at any Rooms to Go stores.
- As a cardholder, you’ll enjoy deferred interest on purchases for up to six months. This means that you won’t pay any interest if you pay off your balance in full after a purchase.
Truly, the Rooms to Go credit card is a great avenue to finance your furniture purchases. But if you know you can’t pay off your balance within the deferred interest period, it’s better you check for that card that offers 0% intro APR.
How to Apply for Rooms to Go Credit Card
Applying for Rooms to Go credit card is free and easy. Just like most store cards are easy to get approved for, so is Rooms to Go Synchrony. This card requires a fair credit for approval. To increase your chances of approval, your FICO score must be between 630-689. To apply, follow the steps below;
- Visit the Rooms to Go credit card application page on the Synchrony Bank website.
- On the homepage, click the link that says ‘Complete Application’.
- On the next page, you will see an application form. So, enter the required information to apply for this card.
- At first, provide the following: Initial Purchase Amount if Known, First Name, M.I., Last Name, Suffix, Street Address, Apt #, Zip Code.
- Also enter your City & State, Housing, Primary Phone, Type, Alternate Phone, Type, Email Address, Confirm Email Address, SSN/ITIN, Date of Birth, and Monthly Net Income from All Sources.
- In addition, you may choose to add a joint applicant. If you would like to do so, check the box that says ‘Add a joint applicant’.
- Then provide necessary information on that matter.
- After that, click on the continue link below to move further.
Then select your card design on the next page. After you’ve done that click the ‘Continue button’. You will then be asked to accept the terms and conditions of the card. By accepting the terms and conditions, click on the ‘Continue’ button. Once you’re done, you will see the result of the application. But if you don’t, you need to wait for some time before getting the result.