La-Z-Boy. Are you familiar with that name? It is one of the massive American furniture manufacturers in the market today. Moreover, the business expanded its business by providing more facilities with its Lazy Boy credit card. With the credit facility, you can purchase sofas, stationary chairs, sleeper sofas, any many more products under various rewards.
Synchrony bank is the provider of the La-Z-Boy credit card. Initially, the bank started its operations in 1988 under Synchrony financial. Except for credit cards, the bank provides online banking facilities, savings accounts, and certificates of deposits.
La-Z-Boy is a store card that doesn’t have any connection with global networks. Such as Visa, Amex, or MasterCard. But still, the bank is managing to provide you various benefits under your purchasing power.
Lazy Boy Credit Card Rates & Fees
- Purchase APR (Variable APR) is 29.99%.
- No Annual Fee.
- The minimum interest charge is $2.
- No Balance Transfer APR or Cash Advance APR.
Lazy Boy Credit Card Approval Odds
The first thing to remember, you should be a resident in the United States to apply for the card. In addition to that, you must have a valid government identification card and a Social Security Number. And also your age should be at least 18 years old. Finally, the required credit score to apply for the card is 650-850.
Benefits
- Special Financing Options:
Based on your purchased value, the card is offering you different funding programs under different months. If your purchase value is greater than $3,000, you are eligible to receive 36 months interest-free program. Furthermore, you may receive an interest-free period of 24 months for more than $2,000 acquiring. The final option is one year without interest. The third offer is available for the pickups larger than $1,000.
- Credit Bureaus:
Unlike other credit cards, almost all the payments, and settlements of your credit card, are reporting to three major bureaus in the United States. They are Equifax, Experian, and Transunion. If you are working on developing your credit profile, you should take this as an opportunity. Its because the timely settlements will illustrate your financial obligation to the credit bureau.
Drawbacks
- The limited scope:
The card is only usable at La-Z-Boy Furniture Galleries and does not associate with international networks. Doe to that, customers have a restricted extent to use the card. The point will describe more with the prohibited foreign transactions. If you are going to live abroad, it is good to have another credit card with more options.
- Fewer Rewards:
The LazyBoy credit card does not offer a sign-up bonus or welcome offer to the new joiners. It is one of the commencing promotions that the card providers do for attracting people. Another negative point is, you will not gain any cashback reward with the card. Apart from that, you are not eligible to earn rewards on every purchase you make.
Lazy Boy Credit Card Application Requirements for the Approval
You can apply for a card by visiting the La-Z-Boy Furniture Galleries Credit Card website. It is mandatory to fill the application by faultless information to get quick approval on your request. You will need general details, income statistics, and employment history data to complete the process. Not to mention, the status of your application is also accessible online.
Most importantly, you may process Lazy Boy credit card payments in three ways. They are by phone, by mail, or through the LazyBoy credit card login. Unfortunately, the bank still does not allow us to proceed with balance transfers through the card.
Customer Service
To check your credit card balance, to increase your credit card limit, or to cancel your credit card, please contact the customer service support by 1-866-419-4096.
Does Lazy Boy Credit Card suit you?
The card is a customized credit facility to the recognized customers of the La-Z-Boy stores. So if you are a loyal customer, no reason is there to regret it. But, if you do not visit the mentioned stores as a habit, please reconsider the credit card alternatives you have and select the one with higher options. (recommended furniture related credit cards are living spaces credit card, gardner white credit card , ABC Warehouse Credit Card )