The Rooms to Go credit card is issued by Synchrony Bank, and you can pay your bill online, by phone, by mail, or in person at a Rooms to Go store
Rooms to Go offers a store credit card through Synchrony Bank. When you use it to buy furniture or other items at Rooms to Go, your bill goes to Synchrony, not directly to the store. This means you pay Synchrony, and the payment methods available depend on what Synchrony offers for this particular card.
The fastest way to pay is through the Synchrony website or mobile app. You can also call Synchrony's customer service number (usually printed on your bill or card), mail a check to the address on your statement, or pay in person at a Rooms to Go location if they accept walk-in payments. Each method has different timing for when the payment posts to your account.
Key Takeaways
- You pay Synchrony Bank, not Rooms to Go, because Synchrony issues the card and holds your account.
- Online payment through the Synchrony website or app is the fastest method and usually posts within one business day.
- Phone payments and mail payments take longer — phone payments may post the same day, but mail can take 7 to 10 business days depending on when Synchrony receives it.
- Your bill statement shows the Synchrony mailing address, phone number, and website where you can set up automatic payments to avoid late fees.
- Late fees and interest charges begin if your payment is not received by the due date shown on your statement, regardless of which payment method you use.
Paying online through Synchrony's website or app
Log in to your Synchrony account at Synchrony.com or read the Synchrony mobile app. Enter your card number or account number and your password. Once logged in, select "Make a Payment" or a similar option (the exact wording varies by app version). Choose the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Select your payment method. Synchrony accepts payments from a bank account (checking or savings) via ACH transfer, or from a debit card. Enter the account or card details and confirm the payment. The payment usually posts to your account within one business day, though Synchrony may show it as pending when ready after you submit it.
If you want to avoid logging in each month, you can set up automatic payments through the Synchrony website. Choose the amount (minimum payment, full balance, or a fixed dollar amount) and the date each month when you want the payment to come out of your bank account. Automatic payments reduce the risk of missing a due date.
Paying by phone
Call the customer service number on the back of your Rooms to Go credit card or on your statement. A representative will ask for your account number and the amount you want to pay. Have your bank account information or debit card ready. Synchrony accepts ACH payments from a bank account or debit card payments over the phone.
Phone payments may post the same day if you call before the cutoff time (usually in the afternoon), or they may post the next business day. Ask the representative when the payment will show on your account. Keep a record of the confirmation number they give you, in case you need to verify the payment later.
Paying by mail
Write a check or money order payable to Synchrony Bank. Write your account number on the check. Include your payment stub from your bill if you have it, or write your account number on a separate piece of paper. Mail it to the address shown on your statement under "Payment Address" or "Make Payments To."
Mail payments take 7 to 10 business days to arrive and post, depending on postal delivery time and Synchrony's processing speed. To avoid a late fee, mail your payment at least 10 days before your due date. If you are close to your due date, use online or phone payment instead. Keep a copy of the check or a photo of it for your records.
Paying in person at a Rooms to Go store
Some Rooms to Go locations accept in-person payments at the register or customer service desk. Call your local store before you go to confirm they offer this service, because not all locations do. Bring your credit card or account number and cash or a debit card to pay with.
In-person payments usually post within one to two business days. Ask for a receipt showing the payment amount and date. This method is useful if you prefer to pay with cash or want an when ready receipt, but it requires a trip to the store and may not be faster than online payment.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, Synchrony will charge a late fee. The amount of the late fee depends on your account terms, but it is typically $25 to $40 for the first late payment. If you miss another payment 30 days later, the fee may increase and your interest rate may go up.
Missing payments also damages your credit score because payment history is the largest factor in credit reports. Even one late payment can lower your score by 50 to 100 points or more, depending on your current score. If you realize you will miss a due date, contact Synchrony before the date passes — sometimes they can work with you on a payment plan or waive a late fee if it is your first miss.
Setting up automatic payments to avoid late fees
The easiest way to never miss a payment is to set up automatic payments through the Synchrony website or app. You choose the date each month and the amount — you can pay the full balance, the minimum payment, or a fixed dollar amount. Synchrony will pull the payment from your bank account on that date automatically.
Automatic payments work best if you choose a date shortly after you get paid, so the money is in your account. If you set the payment date too early and your paycheck has not arrived, the payment may fail and you could face an overdraft fee from your bank. You can change or cancel automatic payments anytime through your Synchrony account, so there is no long-term commitment.
Frequently Asked Questions
Can I pay my Rooms to Go credit card bill at the store?
Some Rooms to Go locations accept in-person payments, but not all do. Call your local store to ask. If they do not, you can pay online, by phone, or by mail to Synchrony Bank instead. In-person payment is convenient if available, but online payment is usually faster.
What if I pay online but the payment does not show up?
Online payments usually post within one business day. If more than one business day has passed and you do not see the payment, log back into your Synchrony account and check the payment status — it may still be pending. If it shows as completed but you do not see the credit, call Synchrony customer service with your confirmation number and they can investigate.
Can I pay with a credit card instead of a bank account?
Synchrony does not accept credit card payments for the Rooms to Go card. You can pay with a debit card, bank account (ACH), check, money order, or cash in person. Paying with a debit card or bank account is the fastest online option.
What is the due date and how do I find it?
Your due date is printed on your monthly statement, usually near the top or bottom. It is the date by which Synchrony must receive your payment to avoid a late fee. If you do not receive a paper statement, log into your Synchrony account online to view your statement and due date.
Can I set up automatic payments for just one month?
Automatic payments are ongoing until you cancel them, but you can change the amount or date each month through your Synchrony account. If you want to make a one-time payment without setting up automatic payments, use the "Make a Payment" option instead of the automatic payment setup.