How to pay your Ashley credit card
Ashley credit cards are issued by Synchrony Bank. You can pay your balance online through your Synchrony account, by phone, by mail, or in person at a retail location if your card is co-branded with a store. The fastest way is online—payments post within one business day. You'll need your card number and online login, or your account number if you're paying by phone.
Payment methods and important date vary slightly depending on whether your Ashley card is a store card, a Synchrony Mastercard, or another variant. All Ashley cards carry a due date printed on your monthly statement, and payments must arrive by that date to avoid a late fee. If you miss a payment, interest charges and potential credit reporting begin when ready.
Key Takeaways
- Online payment through your Synchrony account is the fastest method and posts within one business day.
- You can also pay by phone at the number on your statement, by mailing a check to the address listed on your bill, or in person at a store if your card is co-branded with a retailer.
- Your payment due date appears on your monthly statement, and payments must arrive by that date to avoid late fees and interest charges.
- Setting up automatic payments prevents missed due dates and can help you avoid late fees.
Paying online through your Synchrony account
Log in to your Synchrony account at Synchrony.com or through the Synchrony mobile app. Enter your username and password. If you don't have an online account yet, you'll need to create one—you can register using your card number and Social Security number.
Once logged in, select "Make a Payment" or "Pay Now." Enter the amount you want to pay and choose your payment method (bank account or debit card). Review the payment details and confirm. Synchrony will show you the posting date—typically one business day from when you submit the payment. Keep the confirmation number for your records.
If you're paying from a bank account, Synchrony may ask for your routing number and account number. If you're using a debit card, have that card information ready. Do not pay from a credit card, as that will create a cash advance and trigger additional fees.
Paying by phone
Call the customer service number on the back of your Ashley card or on your monthly statement. Have your card number and the amount you want to pay ready. A representative will walk you through the payment process and confirm the posting date.
Phone payments typically post within one to two business days. You'll receive a confirmation number at the end of the call—write it down. If you're calling outside business hours, you may be able to use an automated system to make a payment without speaking to a representative, though the exact options depend on your card type.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the payment address shown on your monthly statement—this address is different from the mailing address for correspondence, so check your bill carefully.
Mail payments typically take five to seven business days to post, depending on postal delivery and Synchrony's processing time. To avoid a late fee, mail your payment at least one week before your due date. Keep a copy of the check or money order for your records. If you're concerned about timing, use online or phone payment instead.
Paying in person at a store
If your Ashley card is co-branded with a retailer (such as Ashley Furniture HomeStore), you may be able to make a payment in person at that store's customer service desk. Not all locations accept in-store payments, so call ahead or ask at the register before visiting.
In-store payments typically post within one to three business days. Bring your card and a valid form of identification. Ask for a receipt showing the payment amount and date. This method is useful if you're already shopping at the store, but it's not faster than online payment.
Setting up automatic payments
Automatic payments remove the risk of missing your due date. Log into your Synchrony account, select "Manage Autopay" or "Automatic Payments," and choose how much you want to pay each month—the full balance, a fixed amount, or the minimum payment. Select the date you want the payment to come out each month, ideally a few days before your due date.
You can change or cancel automatic payments anytime through your online account. If you set up autopay for the full balance, your account will automatically pay whatever you owe each month, which prevents interest charges if you pay in full. If you choose a fixed amount or the minimum payment, you'll still owe interest on any remaining balance.
Automatic payments draw from a bank account, not a credit card. Make sure the bank account you link has enough funds on the payment date, or the payment will fail and you may face a returned-payment fee.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony will charge a late fee (the amount varies by card terms, typically $25 to $40 for the first late payment). Your interest rate may also increase, and the missed payment will be reported to credit bureaus, affecting your credit score.
If you realize you've missed a payment, contact Synchrony when ready. Explain the situation and ask whether they can waive the late fee as a one-time courtesy—some representatives have the authority to do this, especially if you have a good payment history. Even if the fee isn't waived, paying as soon as possible stops additional interest from accruing on the late balance.
If you're struggling to make your full payment, contact Synchrony to discuss options. Some cardholders may be offered a hardship plan that temporarily lowers the minimum payment or interest rate, though this will be noted on your credit report.
Frequently Asked Questions
How long does it take for an online payment to post?
Online payments typically post within one business day. Synchrony will show you the expected posting date when you submit the payment. Payments made after 5 p.m. Eastern Time may not post until the next business day.
Can I pay my Ashley card with a credit card?
No. Paying a credit card with another credit card is treated as a cash advance and triggers a cash advance fee plus a higher interest rate. Pay only from a bank account, debit card, or by check or money order.
What if I pay more than I owe?
The overpayment will be credited to your account as a negative balance. You can use that credit toward future purchases, or contact Synchrony to request a refund check. Refunds typically take five to seven business days to arrive.
Is there a fee to pay my Ashley card?
No. Synchrony does not charge a fee for making a payment online, by phone, by mail, or in person. However, if you use a third-party payment service or pay through a bill-pay service that charges a fee, you may incur that fee.
Can I change my due date?
Yes. Log into your Synchrony account, go to "Account Settings" or "Billing," and select "Change Due Date." You can typically move your due date to any day of the month. The change takes effect on your next billing cycle.