Can i use my Ashley credit card anywhere

Ashley Furniture is an American retailer and manufacturer of home furnishing. The company got instigated in the year 1945 in Chicago, Illinois, US. Ashley Furniture is headquartered in Arcadia, Wisconsin. Ron Wanek and Todd Wanek are the founders of this company. Ashley Furniture is known for its home furnishing products that are sold globally. The company has its distribution centers in North Carolina, China, Florida, Vietnam, Indiana, California, Wisconsin, etc.

Can I Use Ashley Credit Card Anywhere
How to use Ashley Credit Card

Ashley Furniture Card is the best option as it offers free financing for six years. This card can only get used in-store or on the website, it cannot get used anywhere else. Despite all the drawbacks, it is still considered the best due to the benefit of free financing. The high APR causes the problem to those who do not make their payments within the given time.

What is Ashley Advantage credit card?

The Ashley Advantage credit card is provided by the company itself which makes you eligible for financing large furniture, mattress, or home appliances for up to six years. This card is beneficial as it does not have any annual fees. With all the pros of the Ashley Advantage credit card, there come cons as well. So while deciding whether to purchase the advantage card or not, the customer must check all the pros and cons of this card.

Can we use the Ashley furniture advantage card anywhere?

Unfortunately, no this card is strictly made for its website. So the card is applicable in-store as well as while purchasing anything from its site. You cannot use this card at any other store or take out money from the ATM.

Why is Ashley Furniture credit card beneficial?

There are various benefits of having an Ashley Furniture card which the customer should check. You can conveniently finance any products of Ashley furniture from this card. You will not be charged with any fees or any sort of interest if you make the payment in time. There are two financing offers available with this card:

  • If you make the whole payment within six months, then you do not have to pay any interest
  • If you make the whole payment within twelve months, then you do not have to pay any interest

                                Let us discuss some advantages of Ashley Furniture credit card:

  1. No annual fees – This card is very beneficial as you do not have to pay any annual fees for this. You can also improve your credit card score with this card.
  2. Free Financing – You will be eligible for free financing for up to six years if you finance all your large furniture with this card. You just need to pay the entire balance within the given time to avoid the interest.
  3. Reporting – All of your account’s activity gets straightly reported to the major credit reporting agencies. The major credit reporting agencies are Equifax, Experian, and Transunion. By doing on-time payments or special financing the credit score of yours will increase.

What are the disadvantages of this card?

The disadvantages of the Ashley furniture card is as follows:

  • High APR – The card has an extremely high Annual Percentage Rate that is 29.99%. So, if the person fails to pay the amount within the time then he/she will have to face the consequences.
  • Applicable – The card cannot get used anywhere. This card is specially made for the customers who want to shop in-store or through Ashley Furniture’s website. 

How to apply for an Ashley Furniture card?

The process to apply for an Ashley Furniture card is quite simple. Simply head over to the website, you need to ensure that you have enough credit score to qualify for the card. The process will be more convenient if you have more than a 650 credit score. Firstly, you need to be 18 years old to be eligible for this card. Following are the information that would be needed from you:

  • Name
  • Address
  • Date of birth
  • Monthly income
  • Email address

Are there any alternatives for this card?

Well yes, there are alternatives for this card but the Ashely Furniture card is the best of all as it offers free financing for six years which is not offered by any other card. The two alternatives are:

  • The Citi Double Cash Card – This card is also a great one, as it offers 2% cashback on every purchase. 
  • The Chase Freedom Unlimited Card – This card offers a 0% Annual Percentage Rate for 15 months. It also offers 5% cashback on travel, 3% cashback on pharmaceuticals and dining, 1% cashback on the rest of the purchases.

Conclusion

To sum up, everything that has been stated so far despite all the drawbacks, the Ashley Furniture card is still the best one as it offers free financing for six years which no other card offers. This can only be used in-store or on the website but is the best option to finance the large furniture. 

Can i use my Ashley credit card anywhere

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