STS Tire and Auto Center is a tire and auto store that allows you to buy your tires and get work done on your vehicle all in one place. STS Tire and Auto Center’s can be found in New York, Pennsylvania and New Jersey. For those of you who need to finance the work they need, you can apply for the Credit First National Association STS Tire & Auto Center credit card.
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While this credit card is not a bad credit credit card, you don’t have to have perfect credit in order to qualify. In fact, even people with fair credit may find that this card is easy to get providing they meet other conditions. Although the conditions for this type of card are less stringent, you can learn more about what credit card companies are looking for from the Federal Reserve.
Credit First National Association STS Tire & Auto Center Credit Card Overview
This credit card offers you a no interest option if you pay your total purchase off in the first six months after you make your purchase. The catch is that you have to spend at least $249 in order to qualify. If you don’t pay it off in those six months then the interest rate is retroactive.
This is not a rewards credit card. In addition, this is not a credit card that you can use anywhere expect at STS Tire & Auto Centers. It does not contain a Visa, MasterCard or other lender logo on the card. Lastly, this is a department store credit card.
Credit First National Association STS Tire & Auto Center Credit Card Terms
Because this is a department store credit card, the terms are more basic than you will find with other cards. The terms include:
- NO annual fee
- No penalty APR
- 22.8% starting APR
- $35 returned payment fee
- $15 late payment fee if balance is less than $100
- $35 late payment fee if your balance is more than $100
According to the Federal Reserve rules for credit cards, your late payment fee cannot exceed the total amount owed on your credit card balance.
Credit First National Association STS Tire & Auto Center Credit Card Verdict
If you can qualify for a low interest credit card with a higher limit, then you should say no to this card. The exception being is you can pay off any debt that you have in the first six months after you charge it. The reason for this is that the interest rate is very high and most people, with the exception of those with bad credit, can do better!
Use the free credit card chaser tool to compare online credit cards and offers today!
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