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How Your Payments are Applied

When you make a payment to your Tractor Supply credit card account that is more than the minimum payment due, the excess is applied in accordance with law. This simply means that Citibank will generally apply payments in excess of the minimum payment due to higher APR balances first. Excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. Citibank applies payments that are equal to or less than the minimum payment due and credits at their digression, and you automatically authorize them to apply payments and credits in a way that is most favorable and convenient to Citibank. This of course may include applying such payments and credits to low APR balances first.

Citibank reserves the right to accept late or partial payments, or other restrictive endorsements without losing its rights.

Customer Service

Customer support for the Tractor Supply credit card is both provided by Tractor Supply and Citibank. You can call 1-800-263-0691 for Tractor Supply credit services, or 1-866-668-3706 for Citibank. You can also send an email to [email protected], or send mail to Tractor Supply Company, Attn: Online Customer Service, 200 Powell Place, Brentwood, TN 37027. Whenever contacting any credit card issuer via telephone we highly recommend at the conclusion of the conversation, you send the company an email summarizing the phone conversation and include the name of the representative with whom you had spoken. Simply ask the representative for their company email address to achieve this.

Your Billing Rights:

The Tractor Supply credit card is issued by Citibank, N.A. 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 within 60 day of the error appearing on your bill to begin the resolution process. Your notice should include at least the following information:

  • Your Name and Account Number
  • The Disputed Dollar Amount
  • A description of the Problem: If you believe there is an error on your bill, describe what you believe is wrong and why you believe it is an error.

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.
If after they have provided an explanation and you still believe the bill is wrong, you must write them within 10 days and tell them that you still refuse to pay. If you do, they cannot report you as delinquent without also reporting that you question the accuracy of your bill.

You have additional rights if you are not satisfied with your credit card purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card and have tried in good faith to resolve those issues with the merchant, you may have the right not to pay the remaining amount due on that particular purchase. You may execute that right if:

  • The purchase was made in your home state or within 100 miles of your current mailing address, and the purchase price was more than $50.
  • You used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that access your credit card account do not qualify.
  • You must not yet have fully paid for the purchase.

If all of the above criteria are met and you are still dissatisfied with your purchase simply contact Citibank, N.A. at the billing inquiries address shown on the front of your statement. You are not required to pay this amount while they investigate your claim in the same fashion as dispute resolution above. At the conclusion of their investigation, they will provide you with a decision.

Click page 5 below to learn about dispute resolution.

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