It has been said that there is a credit card for any occasion, and if the fact that you can get a credit card specifically for buying tires doesn’t prove that, then nothing will. Of course, this article is talking about the Credit First National Association Tire Choice credit card.
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Tire Choice is the name of a tire store in Florida. In addition to selling tires, this company also performs maintenance and repairs on vehicles. Because these things can be far too expensive for many people to pay up front for, Tire Choice offers a credit card to make it a little easier.
Credit First National Association Tire Choice Credit Card Overview
The first thing that you will want to know about this credit card is that it is a department store credit card rather than a Visa, MasterCard, etc. As with most department store cards, it comes with a higher starting interest rate than a traditional credit card, what’s more, it is easier to get approval for.
Even though this is a department store credit card, Credit First is still required to follow all of the credit card rules put in place by the Federal Reserve. What this means is that you don’t have to worry about paying higher fees for this credit card.
This credit card is not a rewards credit card. You will not be able to collect points or anything like that in order to get a savings at the Tire Choice store. However, you may be privy to sales and private events that a non-cardholder will not.
Credit First National Association Tire Choice Credit Card Terms
The terms for this credit card are a bit simpler than you will find for a traditional credit card. There is no annual fee and no penalty fee. There is no cash advance or ATM fee because you cannot use this card for those purposes.
The interest rate for this card starts at 22.8%, this is the case even if you have perfect credit. The late payment fee will range between $15 and $35 depending upon your account balance.
Credit First National Association Tire Choice Credit Card Verdict
While it can be nice to have a card that is specifically for your car, the interest rate is very high. If you have fair credit and cannot qualify for a better low interest credit card, then this might be an option for you. If, however, you have great credit, you will find that a traditional card offers you better options and lower interest rates.
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