Is It Easy to Get Ashley Furniture Credit Card
Ashley Furniture HomeStore Credit Card
Overall card rating
2.6
from Credit Karma members
Most helpful positive review
Credit Karma Member
Good card. No problem with it. Paid in full without paying interest.
Most helpful negative review
CLOSED MY ACCOUNT WITHOUT NOTICE
Credit Karma Member
Well I had opened credit at $5000 to purchase a living room set and had paid it off. I hadn't used it in 4 months and was about to go on the weekend to purchase a dining room set well it didn't happen. I received a letter that my account was permanently closed. So I called their customer service and they told me I had to reapply for it. I asked why there was at least a warning letter that I had a month or so or it will be closed, NOTHING. NO ONE **** WARNING. She told me it was in the contract. Nice. So my last words to her was that I know the review I will be writing. This is bad business and I see what people are talking about. Don't ever get this card, waste of your time and effort.
Member ratings
All member reviews (21)
6
2
2
1
10
I thought it was a good card to have but no it's n
Credit Karma Member
I have this card with $1000 limit and my balance was $300 and just checked it and they just took back $700 and my limit is only $300 and I've been late with my payment so I will pay off what I owe and never use this card again!
Decrease credit regardless of excellent payment
Credit Karma Member
Got 4000 intial credit limit. Made 100% payments on time more than minimum. Decreased my account limit 2 times already. Customer service automated system is terrible. I also have a care credit account with synchrony bank since 2015 always paid on time as well. No warning nothing just keep decreasing my ashley furniture limit the more I pay it off. Not worth it. Can't wait to pay it off and be done with this crappy card.
Closed without warning/reason
Credit Karma Member
I've had my Ashley card for years. I've used it recently, within the last 6 months. Have always made all my payments on time. Never even ONE late payment. Ever. I got a notice from Experian letting me know one of my accounts was closed. And my credit score dropped 20 points! For what reason? I'm paying my bills. All of them. On time. This is bad business. Avoid at all costs.
APPLIER BEWARE! Don't do it
Credit Karma Member
READ THIS: truly don't make the same mistake i did. Make sure once you use the card and pay it off you make sure you use it again. Had credit card with them with 2k limit....only purchased a couch and paid it off early...fast forward a year later I didn't use it but left it open to show open revolving credit, I get a whole letter saying they are closing my card due to lack of real estate being on my credit and one credit card being higher than 30 percent usage....now since they chose for me because I didn't use their stupid card again my credit score I've worked so hard to rebuild is going to drop. Do better Ashley Furnityre/Sync Banks
Worst finance company by far!!!
Credit Karma Member
Made my payment s on time every month. NEVER missed or late. Paid my account off early. They dropped my credit line down to 100. From 2300. All my other credit card companies gave me more credit when I paid off the balance. Not this place. I guess when you pay off before the special financing expires and they can't make that 30% interest they don't want you as a customer.
GO SOMEWHERE ELSE
Credit Karma Member
Ashley's has messed up my order for a sectional twice now and I've been without a couch for 6 months. Since I did apply for their credit card I was unable to get out of it...they ended up charging my account for BOTH couches tha were wrong and dropped my credit score almost 200 points.
Dont apply if you won???t use regularly.
Credit Karma Member
Make sure once you use the card and pay it off you make sure you use it again. Had credit card with them with 2k limit....only purchased a couch and paid it off early...fast forward a year later I didn't use it but left it open to show open revolving credit, I get a whole letter saying they are closing my card due to lack of real estate being on my credit and one credit card being higher than 30 percent usage....I guess I'm confused since their card was at a zero balance after it took less than three months to pay off the couch....
CLOSED MY ACCOUNT WITHOUT NOTICE
Credit Karma Member
Well I had opened credit at $5000 to purchase a living room set and had paid it off. I hadn't used it in 4 months and was about to go on the weekend to purchase a dining room set well it didn't happen. I received a letter that my account was permanently closed. So I called their customer service and they told me I had to reapply for it. I asked why there was at least a warning letter that I had a month or so or it will be closed, NOTHING. NO ONE **** WARNING. She told me it was in the contract. Nice. So my last words to her was that I know the review I will be writing. This is bad business and I see what people are talking about. Don't ever get this card, waste of your time and effort.
Closed Account for no reason
Credit Karma Member
Ashley Furniture/Synchrony bank closed my account without warning even though I have never missed a payment or made a late payment. NEVER BEEN LATE EVER NOT ONCE!! I normally pay over the minimum and plan to pay this card off completely in two weeks however they state there is nothing they can do the account is permanently closed. This will drop my credit score and severely hurt my chances of getting my mortgage approved. I WILL NEVER DO BUSINESS WITH SYNCHRONY BANK AGAIN!
Credit Karma Member
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Source: https://www.creditkarma.com/reviews/credit-card/single/id/ashley-furniture-homestore-credit-card
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