Where and how to send your Raymour and Flanigan card payment
Raymour and Flanigan issues its store credit card through Synchrony Bank. When you make a payment, you are sending money to Synchrony, not to the furniture store itself. You have three main routes: pay online through your Synchrony account, mail a check to the address on your statement, or call Synchrony's phone line to pay by phone.
The online method is fastest and leaves the clearest record. Log into your Synchrony account at synchronybank.com, select the Raymour and Flanigan card, and choose "Make a Payment." You can pay from a checking or savings account, and the money typically posts within one business day. If you mail a check, write your account number on the check itself and send it to the address printed on your statement — mailed payments usually take 7 to 10 business days to post, so plan ahead if your due date is near.
Phone payments go through Synchrony's automated system at the number on the back of your card. You will need your account number and routing information from your bank account. This method works when ready but charges no fee, and you get a confirmation number on the call.
Key Takeaways
- Raymour and Flanigan credit card payments go to Synchrony Bank, the card issuer, not to the furniture store.
- Online payment through your Synchrony account posts within one business day and is the fastest method.
- Mailed checks take 7 to 10 business days to post, so send them well before your due date if you want to avoid late fees.
- Phone payments through Synchrony's automated line are when ready and free, and you receive a confirmation number during the call.
- Late payments trigger interest charges and can damage your credit score, so confirm your payment posted before the due date passes.
Setting up automatic payments to avoid missed due dates
Synchrony allows you to set up automatic payments that deduct money from your bank account on a date you choose each month. This is the most reliable way to prevent late payments. Log into your Synchrony account, go to "Manage Auto Pay," and select either a fixed dollar amount or the full statement balance.
If you choose a fixed amount, make sure it covers at least the minimum payment shown on your statement. If you choose to pay the full balance automatically, your account will deduct whatever you owe each month — this prevents interest charges if you pay in full. You can change or cancel automatic payments anytime, and Synchrony will send you a confirmation email when the payment processes.
Set the automatic payment date a few days before your due date, not on the due date itself. This gives the payment time to post if there are any processing delays. If your due date falls on a weekend or holiday, Synchrony typically moves it to the next business day, but confirming this in your account settings removes doubt.
Understanding minimum payments and interest charges
Your Raymour and Flanigan statement shows a minimum payment — usually 1 to 3 percent of your balance, or a fixed dollar amount, whichever is higher. Paying only the minimum keeps your account in good standing and avoids late fees, but you will owe interest on the remaining balance. Synchrony charges interest on purchases from the day they post if you do not pay the full statement balance by the due date.
The card's interest rate (called the APR, or annual percentage rate) varies based on your credit score and current market rates. You can find your current APR on your statement or in your online account. If you carry a balance of $1,000 at an APR of 20 percent, you will owe roughly $200 in interest over a year if you make only minimum payments.
Paying more than the minimum reduces the balance faster and cuts the total interest you pay. If you can pay the full statement balance each month, you will owe no interest at all. Many cardholders use the Raymour and Flanigan card for large furniture purchases and then pay off the balance over several months — in that case, understanding how much interest you will owe helps you decide whether to accept the cost or find another way to pay.
What happens if you miss a payment
If your payment does not post by the due date, Synchrony charges a late fee — typically $25 to $40 depending on your account history — and reports the missed payment to credit bureaus. A single late payment can lower your credit score by 50 to 100 points, and the damage lasts for seven years on your credit report.
If you miss a payment by 30 days, Synchrony may raise your interest rate to a penalty APR, which can be as high as 29.99 percent. This higher rate applies not just to new purchases but to your existing balance. If you miss a payment by 60 days, the account may be referred to a collections department, and you may receive calls or letters demanding payment.
If you realize you will miss a due date, contact Synchrony before the date passes. Explain your situation — job loss, medical emergency, or other hardship — and ask whether they can defer a payment or work out a temporary arrangement. Synchrony cannot erase a late payment once it posts, but speaking with them before it happens sometimes prevents the worst consequences.
Payment timing and posting dates
The date your payment posts is not always the date you send it. Online payments typically post within one business day, but "business day" means Monday through Friday, excluding federal holidays. If you pay on a Friday evening, the payment may not post until Monday. If Monday is a holiday, it posts on Tuesday.
Mailed payments take longer because they must travel through the postal system and then be processed by Synchrony's payment center. A check mailed on the 20th of the month might not post until the 27th or later. If your due date is the 25th, a mailed check sent on the 20th could arrive late.
Your statement shows a "due date" — this is the last day Synchrony will receive your payment without charging a late fee. The due date is usually 21 to 25 days after your statement closes. If you are unsure when your statement closes or when your due date falls, log into your Synchrony account or call the number on the back of your card.
Disputing a payment or reporting a billing error
If you believe a payment did not post correctly, or if you see a charge on your statement that you did not make, contact Synchrony within 60 days of the statement date. You can dispute the charge online through your account or by calling the number on the back of your card. Synchrony will investigate and either correct the error or explain why the charge is valid.
If Synchrony made an error — for example, if they posted your payment to the wrong account or charged you twice for the same purchase — they must correct it and remove any late fees or interest that resulted from their mistake. Keep records of all your payments: confirmation numbers from online payments, copies of mailed checks, and receipts from phone payments. These documents prove you paid and protect you if there is a dispute.
If you paid your bill but Synchrony shows it as late, this is usually a posting delay, not an error. Wait two business days after you paid, then check your account again. If it still shows as late after two business days, call Synchrony and provide your confirmation number. They can often reverse a late fee if the delay was on their end.
Frequently Asked Questions
Can I pay my Raymour and Flanigan card at the store?
No. The store does not accept payments on the card itself. You must pay through Synchrony Bank using one of the three methods: online, by mail, or by phone. Some Raymour and Flanigan locations have a customer service desk, but they cannot process credit card payments.
What if I pay online but the payment does not show up in my account?
Online payments usually post within one business day. If more than one business day has passed and you do not see the payment, log into your Synchrony account and check the payment status — it may show as "pending" or "processing." If it shows as completed but does not appear in your balance, call Synchrony with your confirmation number and they can investigate.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and the full balance. Paying the minimum keeps your account current, but you will owe interest on the remaining balance. Paying the full balance avoids interest entirely.
What is the phone number to pay my Raymour and Flanigan card by phone?
The phone number is on the back of your card. It connects to Synchrony's automated payment system. You will need your account number and bank account information to complete the payment.
If I set up automatic payments, can I change the amount or cancel anytime?
Yes. Log into your Synchrony account, go to "Manage Auto Pay," and adjust or cancel your automatic payment at any time. Changes take effect on your next scheduled payment date. Synchrony will send you a confirmation email when the change is made.