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May 23rd, 2013 by admin

Subaru Credit Card Review

Subaru MasterCard

Subaru MasterCard

Thinking about applying for the Subaru Credit Card? Read through this review to understand what this credit card offers and how good the rewards are.

Subaru Motors

Head-quartered in Shinjuku, Japan, Subaru is an international automobile manufacturer, most well-known for sporting car models common in rally, the boxer engine and four wheel drive, though they are still a highly popular provider of general vehicles, combing the latest technology for superior performance, comfort and durability.

The Subaru Rewards Credit Card

The Subaru Rewards credit card is touted as one of the best auto-mobile provider credit cards, and for many good reasons. It has a good APR, introductory rates, gives you rewards over time for purchases, and can be used like any other major credit card thanks to it being a MasterCard. The reward scheme earns you up to 3% back on any qualifying purchases you make such as dining or gas (up to 500 Rewards Dollars available to earn each year) which you can then redeem for Subaru parts, servicing, car purchasing and leasing, either new or pre owned. You first purchase also gets you 25 bonus Subaru Reward Dollars. It is simple to keep on top of your points – each time you earn 100 points you get a coupon delivered to you in the post.

Terms and Conditions

Users get 0% APR on purchases and balance transfers for the first 6 billing cycles after the account is opened. Once the introductory period is over, a standard rate of 16.24% APR applies. Cash advance and overdraft advance APR is 24.24% These rates will vary depending on the Prime Rate. Penalty APR is 29.99%. No annual fee. Transfer fess $5 or 3% of transferred amount. Late payment, over-credit and return payment fees are a maximum of $35.

Subaru Rewards Credit Card Online Account Management

The Subaru Credit Card is issued by Chase Bank, and you can use Chase to manage your credit card with a convenient online account management service. With this service you can oversee your account, pay your bills, opt to go paperless and much more.

Dispute Resolution

The Subaru Rewards credit card is issued by JP Morgan Chase has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

There is no mandatory Arbitration agreement associated with this card. This means that in the event a dispute cannot be resolved with the bank, claims can be brought in a Court of proper jurisdiction. All claims regarding the card must be litigated under Delaware law.

May 4th, 2013 by admin
Pep Boys Credit Card

Pep Boys CarCareOne Credit Card

Searching for the PEP Boys credit card? Looking for a new branded credit card but need help with your options? If you are looking for an auto branded credit card then the PEP Boys Credit Card may be exactly what you are looking for. Read this review for details about the credit cards offered, the rewards, incentives, terms and conditions, and PEP Boys Credit Card online account management capabilities. This card functions as a standard store credit card.

PEP Boys

PEP Boys is an automotive tire and servicing chain, headquartered in Philadelphia with over 700 stores across the US. Pep Boys is quite an amazing story as it was founded by four Navy buddies with $800 in 1921. The original name of the store was Pep Auto Supplies, however a policeman named Leonardo Mayi who worked nearby the first store assisted in the name change. Each time Officer Mayi stopped a car at night for not having an oil wick burning, he would tell the driver to go see the “boys at Pep” for a new one. His advice resulted in the name being changed to The Pep Boys.

Aside from servicing they are also a supplier of an extensive range of automotive products and one of the biggest sellers of replacement tires.

PEP Boys Credit Card

The credit card offered by Pep Boys is the Pep Boys CarCareOne Card, and with it you can keep your vehicle healthy while saving money. You must apply in-store for this credit card. The main deals with this card are financing promotions which let you make bigger payments with no interest applied for the balance over a certain time period. If you spend between $299 and $750, then you get 6 months no interest, and if you spend over $750 then you get 12 months no interest. You also get a 25 day grace period (interest free period) for all spends under $299. These financing plans are designed so that you can afford your payments each month, which works well for unexpected repair jobs, and the card will work at any Pep Boys store across the country.

You may also qualify for discount coupons when you open a CarCareOne Card account if you spend over a certain amount. If you do not have a very good credit history, then the credit limit you get may be quite small (around $500) and the rate of interest up to 29.99%. You cannot use this card for cash advances or balance transfers. For more terms and conditions information, and to see what interest rate you will get, ask in store for more information.

With an APR up to 29.99% the Pep Boys credit card is not competitive with other store credit cards. Such a high APR can make your auto parts purchases very expensive. It would be advantageous to apply for a general purpose credit card with a lower interest rate and use it for your auto parts purchases.

Online Account Management

The Pep Boys CarCareOne Card is issued by GE Capital bank, and this means you have plenty of options for paying your credit card bill. The first thing to check is your billing statement, which will give you a list of your different payment options. You may be able to make payments from a valid account by going to your bank.

With the online account service you can make online payments easily, with same day payments, future dated payments or monthly automatic payments.

Dispute Resolution

Dispute resolution procedures are getting more complicated. Please read them carefully. To preserve your rights, we recommend that cardholders reject any Arbitration agreement when given the opportunity to do so.

The Pep Boys credit card is issued by GE Capital Bank and GE Capital Bank has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

The terms of service contains a standard arbitration agreement which may be rejected by the cardholder. To reject the standard Arbitration Agreement you must send a written notice rejecting arbitration within 60 days of opening your account. If you reject the Arbitration Agreement, only a court may be used to resolve any dispute or claim.

If you fail to reject the Arbitration agreement, you will lose your right to participate in any class action suits against the company.

Note: The terms and conditions do not require you to arbitrate your dispute if a complaint is filed in small claims court. Further, it does not require you to arbitrate a claim filed against you by the card issuer.

All in all, it’s hard to see the benefits to having a Pep Boys credit card with the high interest rates. A potential cardholder could save more money with a general purpose credit card, and/or even with a secured credit card should the applicant have less than perfect credit.

May 3rd, 2013 by admin
Priceline Rewards Visa Card

Priceline Rewards Visa Card

Interested in the Priceline credit card? Are you a frequent traveler looking for a new credit card to help you save money? The Priceline Credit Card is now available, and this review gives you details on their credit card range, what rewards and savings opportunities are available with them, and online account management capabilities. This card functions as a general purpose credit card.

Priceline

Priceline.com is an online shopping site that lets you compare between all things travel, helping you to find the best deal and get a good range of discounts for all related products and services. From searching to a hotel quickly to planning a long term cruise, Priceline makes holidays and traveling as affordable as possible, and the new Priceline Credit Card can take those savings even further.

Priceline Rewards Visa Card

The Priceline Rewards Visa Card offers attractive benefits that can really make your loyalty to Priceline worth the effort. You get 2 points for every dollar you spend where Visa is accepted. You also get 5 points for every dollar you spend on applicable Priceline ‘Name Your Own Price’ purchases. These rewards can be redeemed to save money on car rentals, airlines, and hotels, or you can simply take these points and turn them into statement credits, effectively allowing you to buy anything with your points. Furthermore you get 0% interest on balance transfers for the first 15 billing cycles after account opening. If you are a first-time Cardmember with a new account, you get 5000 points for your first purchase too, and 5000 bonus points are applicable for transferring a balance.

Priceline Rewards Visa Terms and Conditions

The Annual Percentage Rate for purchases and balance transfers varies between 14.99% and 21.99% depending on your credit score. Cash advance APR is 25.24. APR will vary according to the Prime Rate. Penalty APR up to 30.24%. Minimum interest charge $2. No annual fee. Late payment fee and returned payment fee up to $35 each. You can avoid paying interest on your next balance is you pay the current balance before the due date (23 days). Complete terms and conditions information can be found on the credit card’s website.
This card is competitive with most general purpose credit cards.

Priceline Credit Card Payment Options

Priceline offer many options for paying your credit card bill. Like many other card providers, Priceline let you manage your credit card account with ease and simplicity thanks to the online account service.

Dispute Resolution

To dispute a transaction on your account, you may call Barclaycard or write them at the address listed in the cardholder agreement within 60 days in which the charge appears on your billing statement. Cardholders of the Priceline Rewards Visa card must agree to binding Arbitration as the sole method of dispute resolution.

May 2nd, 2013 by admin
QVC QCard Credit Card

QVC QCard Credit Card

Thinking about applying for the QVC credit card? If you are uncertain then make sure you read this review first. Read on to learn more about what this credit card offers including rewards, promotions and other exclusive benefits, plus information on terms and conditions. The QVC or QCard credit card performs as a standard store credit card.

QVC Shopping

Based outside of Philadelphia in West Chester, PA, QVC is a very well-known retail company and the biggest TV and internet retailer in the world, offering products to over 200 million homes. The company was founded in the 80’s with the idea of using broadcasting to sell products and has since gone from strength to strength, amassing a legion of loyal followers. QVC is available in over 200 million households worldwide through its programing in the U.S., U.K. Germany, Japan, and Italy. In 2011 alone, QVC shipped more than 163 million products to eager customers in these markets. QVC also offers products with features exclusive to QVC customers.

QVC QCard Credit Card

The QCard Credit Card offers more flexibility and purchasing power than other payment methods you may use at QVC. To apply for the card, you must already be a member with them, with the application page accessible only through your online account. If you are not already a member with QVC, you must therefore open an online account.
This card doesn’t offer a point program, but it does offer a number of other advantages, including exclusive sale opportunities and promotions for cardholders, and sneak peeks for QVC’s daily special offers. There are also deferred payment options, periodic credit promotions and general online purchasing convenience to be had. You also get the benefits of no annual fee, fairly good rates of interest, and detailed online statements that make it easy to keep track of all your QVC purchases.

The normal APR on purchases for this card is 24.99%. The credit limit you get will depend on your creditworthiness. An upside is that no fee is applied for exceeding your credit as long as you bring it back within your credit limit within a reasonable time. You can only use this card on QVC purchases, and as with many store credit cards, no cash advances or balance transfers are available. Returned payment fee is $29. Late payment fees will depend on the size of your balance, and vary between $15 and $39.
For applicants with good credit, the cards normal APR of 24.99% is inline with most comparable store credit cards and a bit high for general purpose credit cards.

QVC Credit Card Online Account Management

Given that the online account is central to buying with QVC online and applying for a card, it makes sense to use the online credit management service. With it you can see your payment history, pay your bills by making transfers from your savings or checking account, and keep your account details up to date.

Dispute Resolution

The QVC QCard credit card is issued by GE Capital Retail Bank and GE Capital Retail Bank has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

The terms of service contains a standard arbitration agreement which may be rejected by the cardholder. To reject the standard Arbitration Agreement you must send a written notice rejecting arbitration within 60 days of opening your account. If you reject the Arbitration Agreement, only a court may be used to resolve any dispute or claim.

In the rare event that the parties fail to resolve the dispute, and the cardholder has not rejected the Arbitration Agreement, the parties agree via the terms and conditions to resolve the dispute via arbitration. Should this occur, the party asserting a claim must provide the other party with written notice and an opportunity to cure of not less than 30 days.

May 2nd, 2013 by admin
Love Loft Credit Card

Love Loft Credit Card

Interested in the Loft credit card? The Loft credit card is now available, though with so many different store cards available is this card right for you? This review has you covered with all the information you need on this credit card, such as rewards, exclusives and other incentives, interest rates and terms and conditions and finally a guide to handling your Loft credit card online bill payment capabilities.

Loft Stores

Loft stores are owned by Ann Taylor, and just like Ann Taylor stores, Loft provides clothing, accessories, shows and similar products for women, including outsize and petite sizes and maternity ware. Loft was established in 1996, extending what was already offered by Ann Taylor with a more comfortable and relaxed clothing style for home and at work.

Loft Credit Card

The Loft Love Credit Card is a fairly standard store card in comparison to others offered by similar department stores, and is practically the same as the Ann Taylor credit card, with Loft being owned by Ann Taylor.
You get 5 rewards points for every dollar spent with this credit card. When you reach 2,000 points (equaling a spend of $400) you will be rewarded with a $20 Loft Rewards gift card to spend on almost all products. Furthermore you get a $15 reduction on any purchase you make on your birthday month. One of the better offers is the monthly 10% off program (first Tuesday of every month) for in-store and online purchases. Loft also provides a MasterCard version which offers an extra point per dollar for spends elsewhere.

Loft Credit Card Terms and Conditions

The Annual Percentage Rate (APR) is 24.99%, which will vary according to the Prime Rate. The MasterCard has the same rate (purchases, balance transfers and cash advances). The minimum interest charge is $1. No annual fee. Late payment and returned payment fee up to $35 and $25 respectively. The grace period for having no interest applied to your balance is 25 days after each billing statement. Full terms and conditions can be found on the credit card website.
For a person with good credit, an APR of 24.99% makes the Loft credit card comparable to other store credit cards; however, the APR is a bit high when compared to general purpose credit cards. You may want to consider your credit rating when you apply to maximize you rewards, and savings.

Loft Credit Card Online Account Management

You can pay for your Loft Love Credit Card by going to any Loft or Ann Taylor store You can also arrange for a transfer from your savings account at your bank. The best option is to set up an online account, as this only lets you pay your bills but handle practically everything else to do with your account also. With the online account you can arrange electronic transfers from a checking/savings account or arrange for a future payment.

Dispute Resolution

The Loft credit card is issued by Comenity Bank and Comenity has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

In the rare event that the parties fail to resolve the dispute, the parties agree via the terms and conditions to resolve the dispute via arbitration. Should this occur, the party asserting a claim must provide the other party with written notice and an opportunity to cure of not less than 30 days.

All in all, the loft credit card is a solid choice among store credit cards; however, if you have good credit you may save more, and earn more rewards with a general purpose credit card.

May 1st, 2013 by admin
HSN Credit Card

HSN Credit Card

Interested in the HSN credit card? The HSN Credit Card has recently updated, and if you are looking for a new store card then this may be the right one for you. This review serves as a guide to the HSN credit card, with details on rewards and other incentives, what interest rates and other credit terms to expect, and HSN credit card online payment options at the bottom. The HSN credit cards function as traditional store credit cards.

HSN

HSN is a large, diversified retailer that offers wares through a number of different media options, social interaction and community events. The first shopping network founded 35 years ago, HSN now broadcast live to 95 million households in the US in high definition, 24 hours a day. They offer plenty in the way of exclusive clothing, fashion and homeware products. These products include brand names such as Trish McEvoy, Carol’s Daughter, Jean Dousset, Bissell, Martha Stewart, Carlos Falchi, Panasonic, Nintendo and many others.

Customers who make purchase with the HSN credit card will have the power to purchase much more than other traditional branded store cards. HSN even maintains a special Cardholders Offers section on their website.

HSN offers a standard store card and a MasterCard, and the main difference between them is that the store card offers VIP financing options, while the MasterCard has a point rewards scheme as well as financing options.

HSN Credit Card

With this card you get 0% interest for 9 months for purchases made over $399, if you pay the entire amount within 9 months. As a part of this financing option you are required to make monthly payments as per the agreement. Make sure that you stick to this agreement and do not make late payments, otherwise you will incur interest (26.99%) on the entire amount applied from when you made the purchase. Other benefits include FlexPay and exclusive cardholder discounts. Normal APR on purchases is 26.99%. No annual fee. No balance transfers or cash advances available. Penalty APR Is 28.99%. Late payment and returned payment fees $35/$25 respectively.

HSN MasterCard

The HSN MasterCard gives you all the benefits of the store card, plus a point scheme which gives you 3 points for HSN spends and 1 point for spends made anywhere else. Once you reach 900 points you will receive a free shipping coupon. This reward isn’t much, but with both cards you can sign up for the MyCardsExtras scheme and earn gift cards, price-protection and returns-guarantee benefits.

Normal APR on purchases is 21.24%, and 22.24% for cash advances and balance transfers. Penalty APR is 24.99%. Minimum interest charge $1. No annual fee. Late payment and returned payment fees up to $35.

Given the 21.24% APR, not only is this card very competitive with other store credit cards, it is also competitive with general purpose credit cards.

Dispute Resolution

The HSN credit card is issued by Comenity Bank and Comenity has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

The terms of service contains a standard arbitration agreement which may be rejected by the cardholder. To reject the standard Arbitration Agreement you must send a written notice rejecting arbitration within 30 days of receiving your account agreement or notice of your right to reject. If you reject the Arbitration Agreement, only a court may be used to resolve any dispute or claim.

In the rare event that the parties fail to resolve the dispute, if you have not provided a written rejection notice of the arbitration agreement, the parties agree via the terms and conditions to resolve the dispute via arbitration. Should this occur, the party asserting a claim must provide the other party with written notice and an opportunity to cure of not less than 30 days.

HSN Credit Card Payment Options

HSN offers an online credit account service to simplify the management of your account – you can use it to see your balance, pay your bills and manage your personal settings.

April 29th, 2013 by admin
Eddie Bauer Credit Card

Eddie Bauer Credit Card

Searching for the Eddie Bauer credit card? Looking for a new store card and weighing up the options? The Eddie Bauer Credit Card may be the option to take, and this review will help you decide. Provided are terms and conditions information, rewards and incentives and comparisons with similar store cards, plus an overview of what Eddie Bauer Credit Card payment options are available.

Eddie Bauer

First opened in the 1920’s, Eddie Bauer Holdings (the company that owns Eddie Bauer) own retail stores, outlet stores and order centers for their outdoor, sporting and similar apparel. Eddie Bauer has 370 stores located in the US and Canada, offering men’s and women’s clothing, children’s clothing, footwear, swimwear and other gear suited for outdoor types and adventure lovers.

Eddie Bauer Credit Card

This credit card offers a few rewards, though there is nothing special and no great incentive to spend more, such as rewards, point or cashback schemes that you get with other retailers. The first reward your get with this credit card is 15% off your first purchase as soon as you have opened the account. As a personal touch, when your birthday rolls around you also get $15 off of a purchase of your choice. Cardholders can expect to receive exclusive rewards throughout the year, including coupons and offers that come with the Eddie Bauer cardholder newsletter.

Eddie Bauer Credit Card Terms and Conditions

Normal APR on purchases is 24.99%, which will vary depending on the Prime Rate. Being a store card and not Visa or MasterCard, you get no balance transfers or cash advances. The minimum interest charge is $1. No annual fee. Late payment fee is up to $35 and returned payment fee up to $25.

Given the relatively high rate of interest and the absence of any point rewards program, it makes more sense to pay you balance off in full each month, enjoy what money-saving benefits you do get and build your credit score accordingly. On purchases you make, you have 25 days from the last bill payment due date to pay off the balance in full, and you will not be charged interest.

The Eddie Bauer credit card has an APR that is competitive with other store credit cards. However, the APR is a bit high when compared to general purpose credit cards such as those offered by Discover and Chase.

Dispute Resolution

The Eddie Bauer credit card is issued by Comenity Bank and Comenity has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

The terms of service contains a standard arbitration agreement which may be rejected by the cardholder. To reject the standard Arbitration Agreement you must send a written notice rejecting arbitration within 30 days of receiving your account agreement or notice of your right to reject. If you reject the Arbitration Agreement, only a court may be used to resolve any dispute or claim.

In the rare event that the parties fail to resolve the dispute, if you have not provided a notice of arbitration rejection the parties agree via the terms and conditions to resolve the dispute via arbitration. Should this occur, the party asserting a claim must provide the other party with written notice and an opportunity to cure of not less than 30 days.

Eddie Bauer Credit Card Credit Card Online Account Management

Eddie Bauer cardholders can pay their credit bills either online, in-store, by phone or by mail. You may be able to make a transfer from a valid bank account by going to your local bank. The online account service is a convenient way to manage your account and make bill payments. Make sure you read this FAQs page so that you always make payments on time and avoid paying costly charges.

April 29th, 2013 by admin

Searching for the American Home credit card? The American Home Credit Card has been recently updated, and if you are deciding if this card is right for you, then this review will guide you through all the details you need to make an informed choice. Read on for American Home Credit Card rewards information, terms and conditions and online account management capabilities. This card functions as a standard store credit card.

American Home

American Home is a furniture retailer based in New Mexico. They are not a very large company nationwide, but still one of the most popular furniture providers in New Mexico. They carry a full selection of home furnishings, rugs, gifts, decorative accessories, and more. This retailer carries well-known quality brands such as Sealy, Tempur-Pedic, Wynwood, Flexsteel, Universal, Broyhill Lexington, and many others. American Home customers can shop via their online catalog or in-store at one of their four locations. In addition to the great value offered online and in their stores, American Home is very active in the local community supporting various programs that make a positive difference in people’s lives. The American Home Credit Card can be applied for online for convenience.

American Home Credit Card

The American Home Credit Card is well suited for those who have a standard credit history and want to build their credit rating. Aside from convenient payment options and fast credit processing, there are a few benefits to this card. American Home states that you get access to special savings opportunities, which will likely come in the form of savings coupons and promotional in-store savings for cardholders.

American Home Credit Card Terms and Conditions

The normal Annual Percentage Rate on purchases is 24.99%. This is a competitive rate with regards to similar store credit cards, but you should be careful if you make a big purchase – consider your other credit options first to see if you save more money over time. You do not get cash advances or balance transfers with this card. The minimum interest charge is $1. No annual fee. Returned payment and late payment fees are up to $25 and $35 respectively.

Dispute Resolution

American Home credit card is issued by Comenity Bank and Comenity has standard dispute resolution procedures in place if you have an issue with your card or a transaction. The procedure requires you notify them in writing to begin the resolution process. Within 30 days of receiving your notice they will contact you letting you know they have received it. If the issue has not yet been resolved when you get the first response, within 90 days of receiving your notice they will contact you again. They will either have corrected the issue, or provide an explanation why they believe the bill is correct. During this process they will not try to collect any disputed amount from you and they will not report any disputed amount to any credit reporting agencies.

American Home Online Account Management
Apply Online -  American Home Credit Card

Apply Online for the American Home Credit Card

American Home store card holders can pay their credit card bill using several different methods. Customers can go into any American Store retail location across New Mexico and pay their bill at the customer service desk. The easiest way to make credit card bill payments and to manage practically every aspect of the American Home Credit Card account is to use the online account center.

April 29th, 2013 by admin
Fashion Bug Credit Card

Fashion Bug Credit Card

Interested in the Fashion Bug Credit Card but can’t make up your mind? Wondering if there are any discounts available using the Fashion Bug credit card? This review covers everything you need to know about the Fashion Bug Credit Card, the store itself, credit card rewards and terms and conditions. This card functions as a standard store credit card

Fashion Bug

Fashion Bug is one of a group of retail stores owned by Charming Shoppes and the largest brand owned, that specialize in providing high quality out-size fashionable clothing for women. Many customers are loyal to Fashion Bug for the diversity of clothing available, and the Fashion Bug credit card can help customers make savings and get even more affordability for their loyalty.

Fashion Bug Credit Card

This credit card is provided by WFNNB just like many other store credit cards, and what you get from this is thus quite similar to others in the store card market. It is stated that with this credit card you get exclusive savings opportunities and offers, and advance notice of upcoming sales events. There are few other rewards on top of these, and there is no point scheme or anything similar to build points up over time, so this card does not come with much incentive to spend frequently. It would however make a good card for infrequent purchases. Please note that Fashion Bug use to offer various reward programs, though they now make no mention of it on their website.

People who apply for the Fashion Bug Credit Card are usually successful if they have an average to good credit score, and the rate of interest you get is not the lowest, but very competitive with other store credit cards. Standard APR for purchases is 24.99%. Late payment and returned payment fee is $35. Although the APR is competitive with other store credit cards, it is a bit high when compared to general purpose credit cards.

Fashion Bug Online Account Management

WFNNB provide an online account service and flexible payment options for all Fashion Bug Credit Card customers. You are encouraged to setup an online account, as this allows you to manage your account, see your transaction history, make credit card payments and many other things. You can enroll for the Fashion Bug online account service after receiving your credit card. You can pay your credit card bill also by going in to any Fashion Bug or affiliate store – just walk up to the customer desk.

Something to consider is the fact that given the limited reward program offerings, the Fashion Bug credit card may not offer the savings and rewards offered by a general purpose credit card such as the Discover It card.

April 29th, 2013 by admin
Furniture Row Credit Card

Furniture Row Credit Card

Considering the Furniture Row credit card? Looking for a new store card that takes the load off furniture purchases? This review takes a look at the new Furniture Row Credit Card, so please read on to see how this card can help you save money, including terms and conditions and rewards details. This card functions as a standard store credit card.

Furniture Row

This company specializes in all things furniture and furnishings, and while it is one of the biggest in the US with stores in over 31 states, Furniture Row is still a family owned business. Each store has sections dedicated to sofas, furniture, bedroom and mattresses, and you can save money on everything by making your purchases using a Furniture Row Credit Card.

Furniture Row Credit Card

The credit card offered by Furniture Row is the Express Money Card, and with this card customers are given spending freedom thanks to special financing offers available when the card is used. The best financing with this card is the 0% interest you will receive if you pay over a certain amount. This is a key benefit that places the Furniture Row credit card above traditional store credit cards.

The financing options available to you will depend on what you spend, how much you spend, and when you spend. If you make a big purchase at the right time such as a sale event, you can receive no interest for up to 2 or 3 years. For example, Furniture Row is as of writing offering a Labor Day financing deal of no interest until 2015 and $25 monthly payments for qualifying purchases above $1999. Furniture Row provides customers such offers fairly frequently. If you want to know more about what options for financing are available to you, speak with a customer advisor in-store.

Furniture Row Credit Card Terms and Conditions

The standard APR rate for purchases on this card is 24.9%, which comes into effect after any promotions have ended. Penalty APR is 28.9%. As with most store credit cards, There are no balance transfers or cash advances available. Minimum interest charge is $2. For more terms and conditions information, you must get past the first stage of the application process. Given the APR, the Furniture Row card is very a competitive standard store credit card, and when you consider other financial offers and specials from Furniture Row this card can compete with general purpose credit cards.

Online Account Management

When you use your Furniture Row Express Money Credit Card to finance expenditures, you cannot make payments in store. Your options are to either pay by mail or with the online account service. The Furniture Row online account service is handled by the issuer, Capital One. With the online account service you can see your transaction history and credit balance, manage your personal details and pay your credit card bills.

One down side is that Capital One does not provided customer service information online with regards to this card. However, you can contact customer service via an 800 number and online contact form.

All in all the Furniture Row credit card is a solid offering.