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Closet Works Financing

0% Financing for Qualified Buyers
Closet Works

CLOSET WORKS Offers 6 Month or 12 Month Financing Terms

Closet Works, in conjuction with Synchrony Financial, offers a deferred interest Synchrony Bank credit card account to qualified buyers to be used for the purchase of a new Closet Works closet or other organization system. There are no interest charges if the balance is paid in full by the end of the financing period. Eligibility is determined by Synchrony Financial after reviewing your application.

The financing is in the form of a credit card. You may finance all or part of your purchase with the deferred interest card.

Simple, Convenient, Valuable, Flexible

Closet Works offers 0% financing to qualified buyers
  • Fast and easy application process.
  • Apply now, get a quick response, and if approved use your account to make a purchase today.
  • Use your account information to manage your account and make your purchases before you receive your actual card.
  • In 7-10 days after approval, you will receive your new card in the mail.
  • No prepayment penalties.
  • You could make the required monthly payment or pay your full account balance.
  • 24/7 access to your account at mysynchrony.com — Check your available balance, amount due and due dates.
  • View your statement anytime, anywhere when enrolled in eBill, and set up scheduled payments or make same-day online payments.

This is a Deferred Interest bank credit card and there is NO INTEREST IF PAID IN FULL WITHIN THE 6 or 12 MONTH PROMOTIONAL PERIOD. Interest at the rate of 29.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 29.99% you must pay the total promotional purchase amount within the promotional period.

  • Minimum monthly payments, based on a percentage of your account balance or a minimum amount, are required in accordance with the standard account terms.
  • It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period.
  • If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.
  • There will be information on your billing statement about how long it will take to pay off your account if you only make minimum payments.
  • Interest will be charged to your account from the purchase date if the promotional purchase balance is not paid in full within the promotional period.
  • Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.
  • To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date.
  • No interest will be charged on the promotional purchase.
  • Pay your promotional balance in full before the end of the promotional period to avoid interest.
  • If you do not make a payment on time, you will be charged a late fee.

Steps To Apply For Financing

STEP 1: Please follow these guidelines when completing your application:

  • Please have available two forms of ID that can be verified. If using a joint applicant, the joint applicant must be present and also provide two forms of ID.
  • Please include all forms of income from all full and part-time jobs, bonuses, commissions, and investments. You need only include child support, alimony, or separate maintenance income if you wish this income to be considered in your application.
  • Please note that you must reside in the United States and be 18 years of age or older to apply.

STEP 2: Please download, complete, sign and return the application:

  • Credit is extended by Synchrony Bank.
    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases 29.99%
    Minimum Interest Charge If you are charged interest, the charge will be no less than $2.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
    Fees
    Penalty Fees:
    Late Payment
    Up to $37.00

  • Closet Works does not recommend returning the sensitive information in your application by email. Please send the completed application by FAX or post.
    • By FAX: 630-832-6878
    • By MAIL:
      ATTN: ACCOUNTING DEPT
      Closet Works
      953 N. Larch Ave.
      Elmhurst, IL 60126

How Your Balance Will Be Calculated: Synchrony uses a method called "daily balance". See your credit card account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card account agreement.

The information about the costs of the card described above is accurate as of April 26, 2016. This information may have changed after that date. To find out what may have changed, write to Synchrony at P.O. Box 965033, Orlando, FL 32896-5033. Your application and the credit card agreement will be governed by federal law, and to the extent state law applies, the laws of Utah. Subject to the requirements and limitations of applicable law, we may change, add to or delete any of the terms of the agreement, including the interest rates, fees and charges and Synchrony will send you notice as required.