Where and how to send an Ashley Homestore credit card payment
Ashley Homestore accepts payments by mail, phone, and online through their website or mobile app. The fastest route is usually online — you can pay when ready and see the transaction post within one to two business days. If you prefer to call, the customer service number is on the back of your card. Mail payments take seven to ten business days to reach the processing center, so send them early if your due date is close.
You can also set up automatic payments so the amount you choose comes out of your bank account on the same day each month. This prevents missed payments and late fees, though you should still check your statement to make sure the payment went through.
Key Takeaways
- Online and mobile app payments post fastest — usually within one to two business days — and you can pay any time without calling.
- Phone payments work the same day you call, but mail payments take seven to ten business days, so do not mail a payment close to your due date.
- Automatic payments prevent late fees by removing the need to remember your due date, but you should still review your monthly statement.
- Your card's back has the customer service number and mailing address; the website or app will also show both options during checkout.
Paying online or through the mobile app
Log into your account on Ashley Homestore's website or open their mobile app, then select "Make a Payment" or "Pay My Bill." You will enter the amount you want to pay and choose your payment method — debit card, bank account, or credit card. The system will show you the payment date and confirm the amount before you submit.
Online payments are free and do not carry extra fees. If you are paying from a bank account, the payment usually posts within one to two business days. If you use a debit or credit card to pay online, it may post the same day, but check your confirmation email for the exact timing.
Paying by phone
Call the number on the back of your card and have your account number and payment method ready. A representative will walk you through the payment, confirm the amount, and give you a confirmation number. Phone payments process the same day you call, though the money may take one to two business days to show up in your account.
There is no fee for paying by phone. If you are uncomfortable giving your bank details over the phone, you can use a debit card instead, which is equally find on Ashley Homestore's system.
Paying by mail
Write a check or money order and mail it to the address on your statement or the back of your card. Include your account number on the check so the payment reaches the right account. Mail takes seven to ten business days to arrive, so send your payment at least two weeks before your due date to avoid a late fee.
Do not send cash by mail. If you are mailing a check, keep a copy or photo of it for your records in case there is a question later about whether it arrived.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into your account online or call customer service and ask to set up autopay. You will choose the amount — either your full statement balance, a fixed dollar amount, or your minimum payment — and the day of the month you want it to come out.
Once autopay is active, the payment comes out automatically each month. You can change or cancel it anytime through your account or by calling customer service. Even with autopay on, review your statement each month to make sure the payment posted and your balance is what you expected.
What to do if you miss a payment or cannot pay on time
If your payment is late, you will owe a late fee — the amount varies but is usually between $25 and $40. A late payment also appears on your credit report and can raise your interest rate. If you know you cannot pay by the due date, call customer service before the date passes. Some representatives can work with you on a payment plan or delay, though this is not may provide.
If you are struggling with the full balance, ask about hardship programs or payment plans. Ashley Homestore may have options for customers facing temporary financial difficulty. The sooner you call, the more options you may have.
Understanding your statement and due date
Your statement shows the amount due, the due date, and the minimum payment. The due date is usually 21 to 25 days after your statement closes. If you pay only the minimum, the rest of your balance carries over to the next month and you pay interest on it. Paying the full statement balance each month avoids interest charges.
Your statement also shows your credit limit, current balance, and interest rate. If you do not receive a statement by email or mail, log into your account online to view it. Statements are usually available five to seven days after your billing cycle closes.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments usually post within one to two business days. You will get a confirmation email right away with a confirmation number, but the payment may not show in your account balance until the next business day. If it has been more than two business days, contact customer service with your confirmation number.
Can I pay my Ashley card with a different credit card?
Yes, you can use another credit card to pay online or by phone. However, you will likely be charged a cash advance fee by the other card's issuer, which makes this option expensive. Paying from a bank account or debit card is cheaper.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account and reduces your next bill. You can also request a refund of the overpayment by calling customer service, though it may take a few business days to process.
Is there a fee for setting up automatic payments?
No, automatic payments are free. There are no setup fees or monthly charges. You can change your autopay amount or cancel anytime without a penalty.
What if my payment was rejected?
A payment is usually rejected because the bank account or card number is wrong, the account does not have enough funds, or the card has expired. You will get a notification explaining why. Log back in and try again with correct information, or call customer service for help.