Synchrony

Havertys Credit Card

Credit

$0 Annual Fee

29.99% Variable Purchase APR

670+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Purchases The Havertys Credit Card is a deferred-interest promotional financing product issued by Synchrony Bank for furniture and home furnishing purchases at Havertys stores and does not earn rewards, points, miles, or cash back on purchases.	0x	Cash Back	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Special Financing Cardholders can access special financing options for purchases made with the Havertys Credit Card. These offers are subject to credit approval, minimum monthly payments, and specific promotional periods. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. A minimum purchase may be required. Details vary by offer and are available in-store.	Financing	Varies by promotional offer

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 18, 24, 36, 48 or 60 Months. Minimum monthly payments required. See offer details for full terms and conditions.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeNone

Cash Advance FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Issuer Rules & Restrictions

Shutdown Risk Triggers

Excessive cash advances, application fraud or misrepresentation, using the card outside of authorized Havertys locations

International Friendly

May have limitations for international use.

Additional Issuer Rules

The Havertys Credit Card is a Synchrony Bank deferred-interest store financing card with no rewards program and no welcome bonus, so no bonus restrictions, 48-month clock rules, or card-family cliff effects apply. Synchrony does not enforce the same type of issuer-wide application velocity rules as major bank issuers, though applying for multiple Synchrony accounts in a short period can result in denials due to recent inquiry sensitivity. The card is usable only at Havertys stores and havertys.com and does not function as a general-purpose credit card.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Synchrony

Annual Fee

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APR 29.99% Variable

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