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Pep Boys Credit Card
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.

Discount Tire Credit Card
Discount Tire Credit Card

Discount Tire Credit Card

Searching for the Discount Tire credit card? Need information on the Discount Tire Credit Card. This article provides an independent review of the card including rewards and terms and conditions details. This card functions as a tradition store credit card.

Discount Tire are one of the most popular discount tire stores in the US, and they have now partnered with GE Capital in offering the Discount Tire/ America’s Tire CarCareONE Credit Card, which helps you make good savings on purchases made at Discount Tire and America’s Tire, plus special interest offers.

Rewards and Offers

Tire purchases are often expensive, but with the Discount Tire Credit Card you can finance your purchases with 0% interest. If your purchases are between $300 and $1000, then you receive no interest if paid off in full within 6 months. The same goes for up to $1500 when paid if in full in 9 months, and over $1500 when paid off in full within 12 months.

These zero interest financing offers are the most popular aspect of the Discount Tire Credit Card, but care must be made to pay off the balance in full, otherwise the standard rate of 26.99% APR will be applied not only from then on, but will be applied from the day you made the purchase.

Given that the APR on this card is fairly high, it is worth checking out other introductory purchase offer credit cards if you only intend to make a one-off tire purchase.

Discount Tire Credit Card Terms and Conditions

The Annual Percentage Rate (APR) for purchases on the Discount Tire Credit Card is 26.99%. There are no cash advances or balance transfers available with this card. The minimum interest charge applied is $2. Late penalty fees and returned payment fees for failed checking/savings account transfers is up to $35. For full terms and conditions information please visit the card’s website.

Discount Tire Credit Card Online Payment Options

There are a number of ways to pay your Discount Tire Credit Card bill. Unlike many other branded credit cards you cannot pay for your bill by going to Discount Tire or America’s Tire locations.

Discount Tire’s credit card issuer GE Capital offer an online service to help customers control their account and make credit card payments. With the online service you can make a same day payment if you pay before midnight, schedule payments for a future date, or set up a monthly autopay.

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