How to Apply to Ashley Furniture Credit Card

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With its numerous benefits such as online and in-store special financing options, money-saving coupons and access to exclusive offers, the Ashley Furniture Credit Card is something you should seriously consider! If you decide to apply for getting this card, we are here to guide you through the online application process.

In order to be eligible to apply for the Ashley Furniture Credit Card, make sure that you meet the following requirements:

You must be 18 years of age or older
You must be a permanent legal resident of the United States
You must have a valid U.S. social security number
You must have a valid mailing and email address and a valid phone number
You must be currently employed and willing to provide details about your monthly salary

If you want to apply for this credit card, here are the steps you need to follow:

Step 1: Open Ashley Furniture’s Financing web page and click on the ‘Apply Now’ button.

This will open the online application form.

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Step 2: Before starting your application, read carefully the Terms and Conditions related to this credit card.

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Step 3: Fill in the following information: the initial purchase amount (if you know it), your name, surname, mailing address, phone number, email address, social security number, date of birth, housing information, and monthly income.

Additionally, choose whether there is or not a joint applicant.

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Step 4: Choose whether you prefer paperless statements or not.

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Step 5: Choose whether to purchase or not the Optional Card Security and press ‘Continue’ in order to submit your online application.

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Q: What is a joint applicant?

There is a possibility that two people jointly sign a loan and both of them have responsibilities for the debt. They both apply and sign the loan and can equally use the credit card. Joint applicants are usually present in a business in which two parties are actively involved.

Q: What is the difference between the electronic and paper statement?

The difference between these two does not exist. Both of them must be identical. Credit card issuers are constantly trying to convince their customers to switch from paper to electronic statements, but customers have resisted. However, the situation is slightly starting to improve nowadays.

Q: How is APR rate different from interest rate?

An annual percentage rate, or shortly APR rate, includes both the interest rate as well as mortgage broker fees, discount points and other charges that you pay. The interest rate includes only the cost of borrowing the primary loan.

Q: How is APR rate calculated?

The calculation of the APR is very easy. What you need to do is to divide the finance charge by the loan amount, then multiply the result by 365. The given result should be divided by the term of the loan and then multiplied by 100. This calculation is used to determine APR rate, in order to evaluate the true cost of borrowing money.