Finding the Raymour and Flanigan Credit Card Login Portal
The Raymour and Flanigan credit card is issued by Synchrony Bank, not by Raymour and Flanigan directly. This means you log in through Synchrony's portal, not through the furniture retailer's website. Go to mysynchrony.com and enter your username and password on the main login page.
If you have never logged in before, you will need to set up an online account first. On the Synchrony login page, look for a link that says "Enroll Now" or "Create Login" — the exact wording changes occasionally. You will need your card number and the phone number or email address associated with your account.
Raymour and Flanigan also displays a link to the Synchrony portal on their website under customer service or account information, but going directly to mysynchrony.com is faster and avoids the extra clicks.
Key Takeaways
- Your Raymour and Flanigan credit card account lives on Synchrony Bank's website at mysynchrony.com, not on Raymour and Flanigan's own site.
- First-time users must enroll in an online account using their card number and contact information before they can log in.
- Once logged in, you can view your balance, make payments, see your statement, and update your contact details.
- If you forget your password, use the "Forgot Username or Password" link on the login page to reset it by email or text.
- You can also call Synchrony's customer service number on the back of your card if you cannot access your account online.
What You Can Do Once You Are Logged In
After you log in to your Synchrony account, you can view your current balance, recent transactions, and available credit. The dashboard shows your statement balance, minimum payment due, and the date your payment is due.
You can make a one-time payment directly from the portal using a bank account or debit card. Synchrony also lets you set up automatic monthly payments if you want the same amount withdrawn on the same day each month. You can change or cancel automatic payments at any time from your account settings.
Your online account also stores your billing statements as PDFs, usually going back several months. You can read these to keep your own records or for tax purposes if you use the card for a business.
Resetting Your Password or Username
If you forget your Synchrony login information, click "Forgot Username or Password" on the mysynchrony.com login page. Synchrony will ask you to enter your card number and either your email address or the phone number on file.
You will then receive a link or code by email or text message. Follow the link or enter the code to create a new password. This process usually takes a few minutes, and you can log in as soon as the new password is set.
If you do not receive the reset email or text within a few minutes, check your spam or junk folder. If the message still does not arrive, call the customer service number on the back of your card and a representative can help you regain access.
Troubleshooting Common Login Problems
The most common reason a login fails is a typo in the username or password. Passwords are case-sensitive, so make sure Caps Lock is off. If you have tried several times and still cannot log in, wait 15 minutes before trying again — Synchrony temporarily locks accounts after multiple failed attempts for security.
If your account was recently opened or you just received your card in the mail, you may not yet be able to log in online. New accounts sometimes take 24 to 48 hours to appear in the Synchrony system. If you opened your account more than two days ago and still cannot enroll, call the number on your card.
If you can log in but your balance or transactions are not showing, try logging out completely and logging back in. Clear your browser's cache and cookies, or try a different web browser. If the problem continues, contact Synchrony customer service — there may be a temporary issue with your account or the website.
Paying Your Bill Online vs. Other Payment Methods
Paying through your Synchrony account online is the fastest way to make a payment and see it reflected when ready. Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after that time or on weekends post the next business day.
You can also pay by phone by calling the number on your card, or by mail by sending a check to the address on your statement. Mail payments take 7 to 10 days to arrive and post, so online or phone payments are better if your due date is soon.
Some people set up automatic payments from their bank's bill-pay system instead of using Synchrony's portal. This works, but Synchrony's own automatic payment system is simpler because it pulls directly from your bank account and does not require you to enter Synchrony's mailing address.
Updating Your Contact Information and Account Settings
Once you are logged in, you can update your email address, phone number, and mailing address from the account settings or profile section. Look for a link that says "Account Settings," "Profile," or "Personal Information." Synchrony will ask you to confirm your identity before making changes.
You can also choose how Synchrony contacts you — by email, text, phone, or mail. If you want to stop receiving promotional emails or texts, you can opt out from the same settings page. Synchrony will still send you statements and payment reminders unless you choose paperless statements.
If you want to add an authorized user to your account or remove one, that change must be made by calling Synchrony customer service. You cannot add or remove authorized users through the online portal.
When to Call Synchrony Customer Service Instead
Some tasks cannot be done online. If you need to dispute a charge, report fraud, request a credit limit increase, add or remove an authorized user, or close your account, you will need to call the customer service number on the back of your card.
Synchrony's phone lines are open Monday through Friday, 8 a.m. to 9 p.m. Eastern Time, and Saturday 9 a.m. to 6 p.m. Eastern Time. Wait times are usually shorter on weekday mornings. Have your card number and a form of ID ready when you call.
If you are calling about a late payment, a missed payment, or a collections issue, ask to speak with a representative who handles account recovery. They may be able to work out a payment plan or remove a late fee if your account is recent and otherwise in good standing.
Frequently Asked Questions
Is mysynchrony.com the same as the Raymour and Flanigan website?
No. Raymour and Flanigan's website is separate from Synchrony Bank's website. Your credit card account is managed by Synchrony, so you log in at mysynchrony.com. Raymour and Flanigan's website is only for shopping and tracking orders placed with the store.
Can I log in to my Raymour and Flanigan credit card account on my phone?
Yes. Synchrony has a mobile app called "Synchrony" that you can read from the Apple App Store or Google Play. You log in with the same username and password you use on mysynchrony.com. The app lets you check your balance, make payments, and view statements on the go.
What should I do if I think someone else is using my account?
Log in to your account and check your recent transactions. If you see charges you did not make, call Synchrony when ready at the number on your card and report the fraud. Synchrony will freeze your account and send you a new card. Do not delay — the sooner you report it, the better your protection under federal law.
How long does it take to enroll in an online account for the first time?
Enrollment usually takes 5 to 10 minutes. You will need your card number, the phone number or email on your account, and a new password. After you complete enrollment, you can log in right away. If you have trouble, call the number on your card for help.
Can I see my credit score or credit report through my Synchrony account?
Synchrony does not show your credit score in your online account. However, you can view your credit report for free once per year at annualcreditreport.com. Some credit card issuers offer free credit monitoring, but Synchrony does not include this benefit with the Raymour and Flanigan card.