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  Value City Furniture Credit Card
Value City Furniture Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Value City Furniture Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score -40

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.

-40

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

1 user recommends
1 user is unsure
3 users don't recommend
Browse Reviews: 1 Recommendations | 3 Complaints
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A
Number of Reviews 5

Value City Furniture Credit Card Review

This is a store credit card issued by Synchrony Bank. If you're wondering whether Value City credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Value City credit card
The Good The Bad
  • Exclusive financing options are available.
  • Value City Furniture Credit Card reports to multiple credit bureaus.
  • High interest rate.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Value City credit card FAQ

Does Value City credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Value City credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Value City Furniture Credit Card has a variable purchase APR of 29.99%.

Does Value City credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Value City credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Value City credit card?

The following fees apply:

Value City credit card Fees
Fees Amount
Annual Fee
Returned Payment Fee $28
Late Payment Fee up to $39

What is the support contact email for Value City credit card?

The support contact email for Value City credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Value City credit card?

Overall, Value City credit card is mostly not recommended based on community reviews that rate customer service and user experience.

Does Value City Furniture Credit Card report your account activity to credit bureaus?

Yes, Value City Furniture Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Value City credit card

  • Visit the Value City credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Value City Furniture Credit Card

Synchrony (NYSE: SYF) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products.

Our investments in technology across multiple platforms—in-store, online and mobile—allow us to engage consumers when and where they want. Our programs and tools strengthen the relationship between our business partners and their customers, driving growth and opportunity across the board.

You can shop with confidence knowing that no credit is needed and flexible payment plans are available, just pay as you go. Plus enjoy the flexibility of knowing you can own your furniture at any time with our early purchase options.

Securely manage and pay your bill through Synchrony. Access your plus account to view your balance, pay your bill online or update your information.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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6 Reviews

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Balance Computation daily balance
Purchase APR (Variable APR) 29.99%
Card Type
  • Store Card
Card Network Other

Value City Furniture Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -40, equating to 2.2 on a 5 point rating scale.

-40

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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