Southern Tire Mart Credit Card-Credit First National Association has issued this shop card. If you’re wondering if the Southern Tire Mart Credit Card is perfect for you, keep reading.
The Southern Tire Mart Credit Card is a store credit card that provides consumers who shop at Southern Tire Mart, a prominent provider of commercial truck tires and related services in the United States, with exclusive privileges and incentives. Customers can finance their purchases of tires, wheels, and other automotive items and services with flexible payment choices and special financing offers using the Southern Tire Mart Credit Card.
We will look at the features, benefits, and downsides of the Southern Tire Mart Credit Card in this review to help you decide if it is the best option for your tire and automotive requirements. We will also go over the card’s features, fees, and interest rates, as well as how to apply for it. This review will give you all the facts you need to make an informed decision regarding the Southern Tire Mart Credit Card, whether you are a commercial truck driver, a fleet manager, or simply need new tires for your own vehicle.
Southern Tire Mart provides a credit card that can be used to finance tire, wheel, and other vehicle purchases. The Southern Tire Mart Credit Card has the following characteristics, benefits, and drawbacks:
Features of Southern Tire Mart Credit Card
- There is no annual charge.
- Financing options are available for eligible purchasers.
- Online account management tools are available.
- Payments can be made online or in-store.
Benefits of Southern Tire Mart Credit Card
- Customers may be able to obtain deferred interest financing, which allows them to pay off items over time without incurring interest charges.
- Easy access to financing for critical auto purchases
- Responsible credit card use has the potential to improve one’s credit score.
What are the Downsides of Southern Tire Mart Credit Card
- Purchases that do not qualify for deferred interest financing may be subject to high interest rates.
- Late or missed payments might result in significant fines and credit score harm.
- Use the credit card just for Southern Tire Mart purchases, restricting its general utility.
The Southern Tire Mart Credit Card can be an advantageous tool for financing automobile purchases. However, before applying, potential applicants should carefully consider the interest rates and fees associated with the card, as well as the card’s limited use.
Key Lessons to Take Note of the Southern Tire Mart Credit Card
APRs that are too high.
This card is not recommended for persons who carry a balance. It has a variable purchase APR of 28.8% and there is no annual fee*.
This is an excellent choice for anyone searching for a low-maintenance card. It provides the same benefits as a credit card but does not require an annual fee.
Credit of fair or above is necessary.
If your credit score is above 600, you will have a decent chance of approval.
What Are the Pros and Cons of Southern Tire Mart Credit Card
The Good and the Bad sides of Southern Tire Mart Credit Card are as follows.
- There is no annual charge.
- Accepts applicants with fair credit.
- Southern Tire Mart Credit Card sends information to several credit bureaus.
- Purchase APRs that are higher than the average.
- There is no signup bonus.
- There are no rewards or cash back available.
- You don’t get points for every transaction.
- Many credit card benefits are not included.
FAQ’s About The Southern Tire Mart Credit Card
Is there a cash back or rewards program with the Southern Tire Mart Credit Card?
No, it does not have a loyalty program.
What are the advantages of the Southern Tire Mart Credit Card?
It has the following advantages:
- There is no fraud liability.
- Notifications to major credit bureaus
What are the applicable Southern Tire Mart Credit Card APRs?
According to the Federal Reserve Board, the average regular APR for all credit cards is 15% and 17% for balance-carrying accounts. The normal APR on this card is greater than the average. The variable purchase APR for the Southern Tire Mart Credit Card is 28.8%.
Is there an intro APR offer on debt transfers with the Southern Tire Mart Credit Card?
No, it does not include an introductory APR offer for balance transfers.
Is there an intro APR deal on new purchases with the Southern Tire Mart Credit Card?
On new purchases, this card does not provide an introductory APR rate.
What are the costs associated with the Southern Tire Mart Credit Card?
There is no annual fee. This card has no annual fee, making it an excellent choice for consumers seeking for a low-cost card. But there is a returned Payment Penalty of up to $40 and Late Payment Penalty of up to $40.
What is the phone number for Southern Tire Mart Credit Card customer service?
The phone number for Southern Tire Mart Credit Card customer care is (800) 321-3950.
What is the email address for Southern Tire Mart Credit Card customer service?
Southern Tire Mart Credit Card customer service can be reached at email@example.com.
What is the login page for the Southern Tire Mart Credit Card?
You may get to the Southern Tire Mart Credit Card login page by clicking here.
Is your Southern Tire Mart Credit Card activity reported to credit bureaus?
Yes, Southern Tire Mart Credit Card sends your account activity to the credit reporting bureaus listed below:
- Equifax Experian Transunion
- Making on-time payments to a creditor who reports to one or more credit bureaus demonstrates financial responsibility and may help enhance your credit.
How to Apply for a Credit Card at Southern Tire Mart?
- Visit the website for the Southern Tire Mart Credit Card.
- Complete the application form. Typically, you will be required to provide general financial information such as your Social Security Number, address, and annual income.
- Check that the information is correct before submitting your application.
- If your credit score prevents you from being approved for this credit card, see our guide to the top credit cards for bad credit.