Buying furniture could either be a harrowing experience or a fun-filled event. The key to having a good furniture buying experience is in preparation, and that includes being prepared financially. Unfortunately, good furniture could be extremely costly. Not many people are able to spend what it takes to get their dream furniture. There’s an easy solution to this situation—an Ashley Furniture credit card. Ashley Furniture has some of the best quality products in the industry, and they have a wide range of designs that will surely fit many styles. Here are 10 benefits that you could have if you get an Ashley Furniture credit card.
1. No annual fee
With rising furniture prices, it helps to know that you’ll never have to pay for any annual fees with the Ashley Furniture credit card. Most credit cards out there charge unbelievably high annual fees. With this card, you can devote every single penny of your credit line towards getting that couch or dining set you’ve been wanting.
2. Financing options
Ashley Furniture offers a number of financing options to help their cardholders when it comes to paying off their credit line. Upon approval, you’ll be given a choice between 6, 12, 24, 36, or 48 months of financing. If you pay off your balance within the number of months you’ve chosen, then you’ll never have to pay any interest charges.
3. Exclusive offers
All cardholders have access to exclusive offers that they’ll receive through the mail or through email. These exclusive offers could be extra discounts, access to special events or special sales, and many others. You could also have first access to the latest furniture releases before they are offered to the public.
4. Extra discounts
Being a cardholder allows you some special discounts. You could get anywhere from 5% to 25% off of your purchase depending on your purchase price. The higher the purchase price is, the bigger the discount will be. For example, if you’re buying furniture that’s at least $3,000 at cost, you can pretty much guarantee 25% off as long as you use your credit card for payment.
5. No down payment
Many furniture companies still require a down payment when purchasing furniture. It may seem like an outdated notion, but it still happens—even at Ashley Furniture. If you have their credit card, however, you can completely bypass the down payment to get the furniture that you’ve been eyeing.
6. Online access
Ashley Furniture makes it easy to manage your credit card account. You’ll have access to
your account online 24/7. You can preview your balance, make or schedule a payment, or just simply review your purchases online. It’s a great tool that not all credit card companies offer even in today’s digital world.
The credit card has a card security program that cardholders have the option of enrolling in. The security program protects the cardholder in the event that he or she is incapable of making the monthly payment dues because of qualifying reasons. The fee for the service is minimal, and it’s highly recommended that cardholders take advantage of it to prevent payment issues later on.
8. Credit score
Another good thing about the Ashley Furniture credit card is the minimum credit requirement. You could get approved for this credit card even with just an average credit score. This means that you don’t have to have excellent credit in order to get the bedroom set of your dreams.
If you have the Ashley Furniture credit card, you’ll have the backing of one of the biggest credit card banks out there—Synchrony Bank. Given that this company is known for producing some of the most coveted credit cards out there, you’ll know that you’re in good hands. Synchrony Bank definitely knows credit cards, and if there were one company to sign up with, this one would be good choice.
10. Furniture options
Perhaps the best thing about owning an Ashley Furniture credit card is the furniture itself. Having their credit card means that you have access to some excellent furniture designs by shopping at Ashley Furniture. The company is always coming out with the latest trends in furniture, and it’s pretty much a guarantee that you’ll find something you’ll like at one of their stores.