Started paying off the Bloomingdale’s furniture
By Lena Kovadlo
@lovebuglena (52199)
Staten Island, New York
February 7, 2025 5:48pm CST
The living room furniture I bought at Bloomingdale’s, using their store credit card, consists of two items. One piece has recliners and the other does not.
The two pieces are shown separately on the credit card statement, each one with its own price. I got 36-month 0% financing on both pieces.
It says if I pay $116 a month I should pay off the furniture in 36 months, without being charged any interest. That’s not exactly true as that would make my total $4176. My total balance is actually $4190.02. I guess my last payment would need to be slightly higher, which is okay. The difference is not that much.
I looked at my online account the other day and noticed that my first payment, which I made last month, went toward only the furniture piece with the recliners as that balance has decreased. The balance of the other piece was not reduced.
Unless I’m wrong, it seems like the payments I make are going to go toward the more expensive item first (the one with recliners), and then once that’s paid off, the remaining payments will go toward the other item. I wonder why that is. I thought my total balance would just decrease by what I paid and wouldn’t be applied to a specific item.
Regardless, as long as I pay $116 a month (and a little more in one payment) I should pay everything off in 36 months.
5 people like this
4 responses
@lovebuglena (52199)
• Staten Island, New York
8 Feb 25
Yeah. And the furniture was somewhere between 40-50% off. Don’t remember exact number.
1 person likes this
@kaylachan (84834)
• Daytona Beach, Florida
8 Feb 25
Because you have two offers with two different experations. So, it's going to target the first purches, first, then the second second. At the end of the day it'll all come out ot the same. But if you can afford a higher payment that'll be to your benifit.
@lovebuglena (52199)
• Staten Island, New York
8 Feb 25
They were purchased same day. Promo expires same day as well.
1 person likes this
@kaylachan (84834)
• Daytona Beach, Florida
8 Feb 25
@lovebuglena The credit card company is obviously not seeing it that way. It's in the interest of saving you interest, or getting more if you fail. They don't want customers to fail, but interest is how credit cards make their money. At the end of the day all the money is the same, but if you see two different charges, and two different interest payments (should you not pay off the balanc in time) mentally you feeel better about it. Or, that's the idea, anyway.
1 person likes this
@lovebuglena (52199)
• Staten Island, New York
9 Feb 25
@kaylachan I want to see if I can chat with someone online to find out more about how this card works. I think Bloomingdale’s has a chat option. If I ever decide to buy something there again I want to be able to use their card but not if they will end up charging me interest on new items because I won’t be paying the balance in full (as I’m paying off furniture monthly) when making a payment.
1 person likes this

@RebeccasFarm (91297)
• United States
8 Feb 25
I wish it were free instead for you. I bet its lovely furniture though..wish I could see it.
@lovebuglena (52199)
• Staten Island, New York
9 Feb 25
It is. We bought it in July. It finally came December 26th.
I wish it were free but we saved a lot of money on it. It was between 40 & 50% off. I don’t remember exact %. And it’s Italian furniture and made in Italy.





