The easiest way to apply for the Ashley Furniture HomeStore Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony's website. Alternatively, you can apply in store.

Keep in mind that the Ashley Furniture HomeStore Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.

Ways to Apply for the Ashley Furniture HomeStore Credit Card

• Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Synchrony's website. You will then need to fill in your personal and financial information.
• In Store: Visit a local Ashley Furniture store and let a representative know that you would like to apply for the Ashley Furniture HomeStore Credit Card. Then, fill out the application with your personal and financial info.

How to Apply for the Ashley Furniture HomeStore Credit Card Online

1. Go to the application page on Synchrony's website or click the “Learn More” button on sites like WalletHub to be taken there.
2. Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
3. Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
4. Fill in the requested financial information such as your income, sources of income, employment status and housing status.
5. Authorize Synchrony to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
6. Double check to make sure the application is complete and all the information is accurate.
7. Submit the application.

Once you've submitted your Ashley Furniture HomeStore Credit Card application, you may receive a decision right away. However, it can take Synchrony up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7-10 business days.

The Ashley Furniture HomeStore Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Ashley Furniture HomeStore Credit Card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Ashley Furniture HomeStore Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you...

You can use your Ashley Furniture HomeStore Credit Card to make purchases only at participating Ashley Furniture HomeStores and Ashley Outlet locations in the United States. You can also use the card online, at ashleyfurniture.com.

Since the Ashley Furniture HomeStore Credit Card is a store card, it cannot be used outside of Ashley Furniture stores. The card offers no rewards but only requires fair credit for approval.

You can make a Ashley Furniture HomeStore Credit Card payment online, by phone or by mail. To pay a Ashley Furniture HomeStore Credit Card bill online, log in to your online account and click on “Make a payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Issuer does allow cardholders to set up automatic payments, too.

Ways to Make a Ashley Furniture HomeStore Credit Card Payment

• Online: Log in to your online account and click on “Make...

You can make an Ashley Furniture HomeStore Credit Card payment online, by phone, or by mail. To pay an Ashley Furniture HomeStore Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.

Ways to Make an Ashley Furniture HomeStore Credit Card Payment

• Online: Log in to your online account and...

The Ashley Furniture HomeStore Credit Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.

Key Things to Know About Ashley Furniture HomeStore Credit Card Minimum Payments

• The minimum payment will include any applicable fees, past-due amounts, and interest.
• If your statement balance is low enough, the Ashley Furniture HomeStore Credit Card minimum payment...

To cancel an Ashley Furniture HomeStore Credit Card, call customer service at 1 (877) 295-2080 and ask a customer service rep to cancel your card account.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Ashley Furniture HomeStore Credit Card.

It's important to note that...

The Ashley Furniture HomeStore Credit Card's income requirement isn't disclosed. But you'll have to provide a steady source of income during your application, though. In order to approve you, the issuer needs to make sure you'll be able to pay for your new debt obligations.