Toys R Us Credit Card Payment, Login, and Customer Service Information

The Toys R Us / Babies R Us credit cards (and subsequent Synchrony Mastercard) were/are issued in partnership with Synchrony Bank, and it is Synchrony Bank that you will deal with when it comes to making payments online or by mail, or for customer service help. The information below will help you accomplish any of these tasks:

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Lowe’s Credit Card Payment, Login, and Customer Service Information

Most Lowe’s credit cards (other than the Business Rewards American Express) are issued by Synchrony Bank, and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Below you’ll find the info you need to do any of these things:

  • To log in to your Lowe’s credit card account online and make a payment, click here.

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Store Credit Cards List

Sheetz Credit Card Payment, Login, and Customer Service Information

The Sheetz credit card is issued in partnership with First Bankcard/First National Bank of Omaha, and it is First Bankcard that you will deal with when it comes to making your card payment online or by mail, or if you need customer service help. Information on completing any or all of these tasks is below:

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Review: Old Pueblo Traders Credit Card

opt-credit-cardWomen’s clothing retailer, Old Pueblo Traders, in partnership with Comenity Bank, offers rewards via the Old Pueblo Traders Credit Card.  Our overview / review of the card is below:

The OPT credit card is accepted at Old Pueblo Traders and also its “sister” stores including Blair, Haband, Bedford Fair, Gold Violin and more. So the card has limited potential usage, which is generally a strike against it in our book — if you’re going to open a new credit line and take a (temporary) hit to your credit score, the card should be accepted widely or have a very good rewards program to justify it.

The Old Pueblo Traders card has some perks, but they are only OK. In addition to allowing you to buy on credit from OPT, the card offers:

  • A $10 rewards certificate for every $150 you spend with the card (though your reward points expire after one year, so you have to hit that $150 within a reasonably short period of time).
  • Free shipping.
  • Special birthday offers
  • Other coupons and offers exclusive to cardholders

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Stein Mart Credit Card Payment, Login, and Customer Service Information

stein-mart-credit-cardStein Mart’s credit card is offered in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service help. Information on completing any of these tasks is below:

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Fair Credit Score Credit Cards

Every credit card company has its own definition of what is a “fair” or “average” credit score, so it’s difficult to peg those terms’ exact meaning. However, FICO reported that the average credit score is 704 (as of September of 2018), so that is our standard for this page.

The cards below may approve you with an average/fair credit score. This list is based on data points we’ve seen with past customers, plus a “loose” formula that has often proved to be accurate: a card that offers an interest rate “range” starting at over 16% and going over 20% is more likely to approve fair-credit customers. (For example, Walmart offers its credit cards with an interest rate of 19.15%, 22.15%, or 25.15%. While your rate will depend on their assessment of your credit history, the range of potential rates suggests they are open to “fair credit” customers.)

Using that as our basis, below is a list of no-annual-fee credit cards that we feel fair credit customers should qualify for, ranked from “high likelihood of approval” to “might qualify.” If you find we are wrong, please let us know your experience: adam@creditcardcatalog.com

  • Capital One Platinum MasterCard – Capital One specifically says this card is for average credit customers, but their definition of “average” seems actually to be below average. If you don’t qualify for other cards here, this no-rewards card with a 26.99% interest rate may be your next option.

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Ashley Stewart Credit Card Payment, Login, and Customer Service Information

ashley-stewart-ccThe Ashley Stewart credit card is offered in partnership with Comenity Bank, and it is Comenity you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find the information you need to accomplish any of those tasks:

  • If you’d like to pay your Ashley Stewart credit card bill online, log in to your account and make a payment.

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