Pay your Raymour and Flanigan card online, by phone, or by mail
Raymour and Flanigan offers a branded credit card through Synchrony Bank. You can make a payment through the Synchrony website, by calling Synchrony's customer service line, or by mailing a check to the address on your statement. The method you choose depends on how quickly you need the payment posted and whether you prefer to handle it online or over the phone.
Most payments made online or by phone post within one business day. Mailed payments typically take 7 to 10 business days to reach the processing center, so mail is the slowest option if you're close to a due date.
Key Takeaways
- You can pay online through the Synchrony website or mobile app without logging into a Raymour and Flanigan account.
- Phone payments go through Synchrony at 1-866-639-6348, and you'll need your card number and bank account or debit card information ready.
- Mailed payments should be sent to the address printed on your monthly statement, and they take 7 to 10 business days to post.
- Late fees explore if your payment arrives after the due date shown on your statement, regardless of which payment method you use.
- Setting up automatic payments through Synchrony prevents missed due dates and removes the need to pay manually each month.
Pay online through the Synchrony website or app
Go to mysynchrony.com and select "Make a Payment" or "Pay Now." You do not need to create an account or log in—you can pay as a guest by entering your card number and the amount you want to pay. The site will ask for your ZIP code and last name to verify your identity.
Enter your payment method: a bank account (routing and account number) or a debit card. Synchrony does not charge a fee for online payments made from a bank account, but some banks may charge their own fee for incoming transfers. If you pay with a debit card, Synchrony charges a convenience fee of around 1% of the payment amount, though this varies.
You can also read the Synchrony mobile app from the Apple App Store or Google Play and make a payment the same way. Payments made before 8 p.m. Eastern Time typically post the next business day.
Pay by phone with Synchrony customer service
Call Synchrony at 1-866-639-6348. A representative will ask for your card number, the amount you want to pay, and your payment method. You can pay from a checking or savings account or use a debit card. Phone payments made before 8 p.m. Eastern Time usually post within one business day.
Synchrony does not charge a fee for phone payments made from a bank account. Debit card payments incur the same convenience fee as online debit card payments—roughly 1% of the amount paid. Have your bank account number and routing number or your debit card ready before you call to speed up the process.
Pay by mail with a check
Write a check payable to Synchrony Bank and include your account number on the check. The mailing address is printed on your monthly statement under "Payment Address" or "Make Payments To." Do not send payment to the Raymour and Flanigan store address—payments must go to Synchrony's processing center.
Mail your payment at least 10 business days before your due date to account for postal delays. Payments typically take 7 to 10 business days to arrive and post. If your payment arrives after the due date, you will be charged a late fee even though the delay was in the mail.
Set up automatic payments to avoid missed due dates
Log into mysynchrony.com, go to "Account Settings," and select "Autopay" or "Automatic Payments." Choose the amount you want to pay each month (minimum payment, statement balance, or a fixed amount), and select the date you want the payment to come out of your bank account each month.
Automatic payments are free when drawn from a bank account. You can change or cancel automatic payments anytime through your account settings. If you set autopay to the full statement balance, your payment will adjust each month based on what you owe, so you won't accidentally underpay or overpay.
What to do if you miss a payment or pay late
If your payment does not arrive by the due date, Synchrony will charge a late fee. The amount depends on your credit limit and card terms, but typically ranges from $25 to $40 for the first late payment. Late payments also appear on your credit report and may increase your interest rate.
If you realize you will miss the due date, call Synchrony at 1-866-639-6348 as soon as possible. While they cannot waive a late fee that has already been charged, they may be able to remove it if you have a good payment history and this is your first late payment. Paying as soon as you can after the due date will prevent additional fees from accumulating.
Frequently Asked Questions
Can I pay my Raymour and Flanigan card at a store?
No. Raymour and Flanigan stores do not accept credit card payments in person. You must pay through Synchrony using one of the methods above: online, by phone, or by mail.
Is there a fee to pay online with my bank account?
Synchrony does not charge a fee for online payments from a bank account. However, your bank may charge a fee for incoming transfers or bill payments. Check with your bank about their policies before you pay.
How do I know if my payment posted?
Log into mysynchrony.com and check your account balance and recent transactions. You can also call Synchrony at 1-866-639-6348 to confirm the payment was received. Online and phone payments usually post within one business day.
What happens if I pay more than I owe?
The overpayment will show as a credit on your account. You can use it toward future purchases, or you can request a refund by calling Synchrony at 1-866-639-6348. Refunds typically take 5 to 7 business days to appear in your bank account.
Can I change my payment due date?
You cannot change your due date directly, but you can contact Synchrony at 1-866-639-6348 to request a due date change. Synchrony may be able to move your due date by a few days depending on your account status and payment history.