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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American Eagle Credit Card Payment, Login, and Customer Service Information

American Eagle credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and you will go through Synchrony Bank in order to make payments, reach customer service, or otherwise manage your account. Below is all the info you need to pay your bill or get questions answered:

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Review: La-Z-Boy Credit Card

La-Z-Boy Furniture Galleries, in partnership with Synchrony Bank, offers a credit card that allows you to finance your La-Z-Boy purchases, but be careful! Our overview / review of the La-Z-Boy credit card is below:

The La-Z-Boy credit card exists only to finance La-Z-Boy purchases at a La-Z-Boy Furniture Gallery or on La-Z-Boy purchases at other retailers. (It can not be used at the online La-Z-Boy site.) Because of this limited acceptance, it is smart to think long and hard before opening up a credit line just for La-Z-Boy furniture.

You might be thinking: Why would I even want to do such a thing when I could use a different credit card already in my wallet?

Well, it’s very likely that if you are offered a La-Z-Boy credit card in store, there is probably some sort of 0% interest offer attached to it, meaning you might get 6 months, 12 months or even longer to pay off your purchase with no interest. While these offers are enticing, be sure to read the fine print — these offers can be structured in different ways, including what is known as “deferred interest” financing, which requires you to pay the full balance within the promotional period or get socked with all of the interest from the date of purchase, as if the 0% offer had never existed!

In our experience, La-Z-Boy sometimes uses deferred interest financing offers and sometimes uses regular installment loan type offers that require you to make equal monthly payments until the balance is paid off. Make sure you read the fine print to see which you are getting…
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Discount Tire Credit Card Payment, Login, and Customer Service Information

The Discount Tire credit card is issued 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 information. Below you’ll find all of the information you need to complete any of these tasks:

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Synchrony Bank Payment, Login, and Customer Service Information (formerly GE Capital Retail Bank)

Synchrony Bank (formerly GE Capital Retail Bank) is the card issuer behind many of the most popular retail store credit cards on the market today. If you have a card issued by Synchrony Bank, and you need to make a payment or reach customer service, your best bet is to go to the site that is specific to your credit card. A list of Synchrony Bank credit cards can be found here.

However, you may have a Synchrony Bank credit card or financing arrangement that requires you to deal with Synchrony Bank directly through their main site. In that case, the following information is for you:

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Unsecured Credit Cards For Bad Credit or No Credit

bad-credit-225If you have bad credit and want a credit card, it’s difficult to be approved for an unsecured credit card with no deposit required. The list below, however, features unsecured credit cards to consider even with bad credit. Approval is not guaranteed, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.

If your credit isn’t too bad, consider:

  • Capital One Platinum – This card has a high interest rate (as high as 26.99%!) and no rewards. While it markets itself to “average” credit customers and not “bad” credit customers, its definition of average credit is pretty lenient, including some people that have defaulted on a loan in the past 5 years.
  • Capital One QuicksilverOne Rewards – Offers the same interest rate as the card above, but it has a rewards program as well as a $39 annual fee. That rewards program gives you a 1.5% rebate on all purchases you make with the card.

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

frys-credit-cardThe Fry’s store credit card is issued in partnership with First Electronic Bank, and it is First Electronic Bank you will deal with to pay your Fry’s card bill online or by mail, or to get customer service assistance. All of the information you need to complete any of these tasks is below:

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Review: Talbots Credit Card

talbots-cc225Women’s clothing retailer Talbots, in partnership with Comenity Bank, offers a credit card that allows you to earn points toward future Talbots purchases. Our overview / review of the card is below:

The first thing to understand is that the Talbots credit card can only be used at Talbots, not any other stores. Do you shop at Talbots often enough that it is worth opening up a new credit line that can only be used at this one store chain? (Too many new credit lines can hurt your credit score, especially if you have a shaky credit history.)

If the answer is yes, then the Talbots credit card might be right for you. It offers a numbers of rewards and perks for frequent Talbots shoppers, including:

  • 1 point per dollar charged to the card
  • special “bonus points” events throughout the year.
  • 15% off “Birthday Bonus”

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