Where to send your Raymour and Flanigan card payment
Raymour and Flanigan issues its credit card through Synchrony Bank, which means you send payments to Synchrony, not to the furniture store itself. The mailing address for payments is on your monthly statement — it usually reads something like "Synchrony Bank, P.O. Box [number], [city], [state]" and changes based on whether you're paying on time or late. Do not mail a check to a Raymour and Flanigan store location; it will be returned or delayed.
You can also pay online through your Synchrony account without mailing anything. Log in at mysynchrony.com, select your Raymour and Flanigan card, and choose "Make a Payment." You can pay from a checking or savings account, and the payment usually posts within one business day. If you prefer to pay by phone, call the number on the back of your card — Synchrony's customer service team can process a payment over the phone using your bank account information.
Key Takeaways
- Mail payments to the Synchrony Bank address listed on your statement, not to Raymour and Flanigan itself.
- Online payment through mysynchrony.com is the fastest method and usually posts within one business day.
- You can also pay by phone using the number on the back of your card or through your bank's bill pay feature.
- Late fees explore if your payment arrives after the due date shown on your statement, regardless of the payment method you use.
- Automatic payments prevent missed due dates and can be set up or changed anytime through your online account.
Paying online through your Synchrony account
The online portal at mysynchrony.com is the most direct way to pay. Create a login if you don't have one already — you'll need your card number and the last four digits of your Social Security number. Once logged in, you'll see your current balance, due date, and minimum payment amount.
Click "Make a Payment" and enter the amount you want to pay. You can pay the full balance, the minimum, or any amount in between. Link a checking or savings account by entering your routing number and account number — these are printed on the bottom left of your checks. Synchrony will deduct the payment on the date you choose, usually within one business day. You'll receive a confirmation number when ready and can check your account to verify the payment posted.
If you're paying close to your due date, pay at least three business days early to avoid a late fee. Synchrony's system processes payments overnight, so a payment submitted on Friday afternoon may not post until Monday, which could miss a Friday due date.
Paying by phone or through your bank
Call the customer service number on the back of your Raymour and Flanigan card to pay by phone. Have your checking or savings account information ready — you'll provide your routing number and account number. The representative will confirm the amount, the date the payment will post, and give you a confirmation number. This method takes about five minutes and is useful if you don't have online access or prefer to speak with someone.
You can also set up a payment through your own bank's bill pay system. Log into your bank's website or app, add Synchrony Bank as a payee using the mailing address from your statement, and schedule a payment. Your bank will mail a check on your behalf, which takes longer than online or phone payment — usually five to seven business days. Use this method only if you're paying well ahead of your due date.
What happens if you miss a payment
If your payment doesn't arrive by the due date on your statement, Synchrony will charge a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you're 60 days or more past due, and the late payment will show on your credit report.
If you realize you'll miss a due date, contact Synchrony before the date passes. Call the number on your card and explain your situation — some representatives can defer a payment or work out a short-term arrangement. This won't erase the late fee, but it may prevent additional penalties and give you breathing room to catch up.
If you've already missed a payment, pay as soon as you can. The longer the account sits unpaid, the more damage it does to your credit score. A payment 30 days late is less harmful than one 60 days late, so even a partial payment helps.
Setting up automatic payments
You can set up automatic payments through mysynchrony.com so you never have to remember a due date. Log in, go to "Manage Autopay," and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date the payment should post — ideally a few days after you get paid so the money is in your account.
Automatic payments reduce the risk of late fees and missed payments, but they don't reduce your balance faster unless you pay more than the minimum. If you're carrying a balance and want to pay it down, set your automatic payment to a fixed amount higher than the minimum — for example, $200 per month instead of the $25 minimum. This way, you're making progress on the debt without having to log in each month.
You can change or cancel automatic payments anytime through your account. If you do cancel, set a phone reminder for your due date so you don't forget to pay manually.
Timing and processing for different payment methods
| Payment Method | Processing Time | Best For |
|---|---|---|
| Online (mysynchrony.com) | 1 business day | Paying close to your due date |
| Phone payment | 1 business day | Paying without internet access |
| Bank bill pay (mailed check) | 5–7 business days | Paying well ahead of your due date |
| In-store kiosk | 1–3 business days | Paying in person (if available) |
| Automatic payment | 1 business day | Recurring monthly payments |
The due date on your statement is the important date for payment to arrive at Synchrony, not the day you send it. If your due date is Friday and you mail a check on Thursday, it may not arrive until the following week, making it late. Online and phone payments are safer because they post within one business day and you get a confirmation number when ready.
In-store payment kiosks exist at some Raymour and Flanigan locations but are not available everywhere. Call your local store before visiting to confirm whether a kiosk is available. Even if one is present, online or phone payment is faster and more reliable than paying in person.
Frequently Asked Questions
Can I pay my Raymour and Flanigan card at a store?
Some Raymour and Flanigan locations have in-store payment kiosks, but they are not available at every store. Call your local store to ask before visiting. Even if a kiosk is available, online or phone payment is faster and more reliable. In-store payments can take one to three business days to post.
What if I pay online but the payment doesn't show up?
Log back into mysynchrony.com and check your payment history — you should see a confirmation number and the date the payment is scheduled to post. If the payment shows as pending, wait one business day. If it shows as failed, the bank account information may be incorrect; call Synchrony to update it and try again. Keep your confirmation number in case you need to dispute the payment later.
Can I pay more than the minimum to pay off my card faster?
Yes. You can pay any amount between the minimum and your full balance, and paying more than the minimum reduces your interest charges and gets you out of debt faster. Paying $200 per month instead of the minimum cuts the time to pay off a balance in half and saves you hundreds in interest.
What's the difference between my due date and my statement date?
Your statement date is when Synchrony closes your billing cycle and calculates what you owe. Your due date is when that payment must arrive. They are usually about 21 days apart. You can make purchases after your statement date and they'll appear on next month's statement, so paying your current bill doesn't stop you from using the card.
Will paying my card on time help my credit score?
Yes. On-time payments are the single biggest factor in your credit score, making up 35% of the calculation. Paying your Raymour and Flanigan card on time every month builds your score over time. Late payments damage your score and stay on your credit report for seven years, so prioritizing on-time payment is worth the effort.