The Credit First National Association Wheel Works Platinum credit card is a credit card that makes it possible for you to pay for your new tires or car care without having to clean out your bank account. This credit card is not a low interest credit card nor is it a bad credit credit card. It is a card that people with fair credit may be able to qualify for.
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While the Wheel Works Platinum credit card is a department store card, you will be able to use it at more than just Wheel Works. This credit card is valid nationwide at all Bridgestone Firestone locations. This makes it easier to justify getting a card that is only good for one purpose.
Credit First National Association Wheel Works Platinum Credit Card Overview
As all credit cards offered by Credit First, this card has an offer of six months of no interest for any purchases over $249. Unfortunately, this offer expires on December 31, 2011. Many customers of this company claim that this is an offer that the company continues to renew.
As a department store type credit card, you will find that the interest rates for this card are high. What’s more, there is no difference in interest for someone with perfect credit versus someone with fair credit; you will all pay the same amount.
Credit First National Association Wheel Works Platinum Credit Card Terms
One of the things that Credit First claims in their terms is that they can change their APR and fees for any reason at any time. However, according to the Federal Reserve, Credit First cannot do this without giving you a 90-day warning, allowing you to decide whether you want to keep the card.
The interest rate for this card is 22.8% with a minimum finance charge of $1. There is no annual fee nor are there penalty interest rates for late or missed payments. You do have to pay late payment fees of $15 to $35 if you are late and/or a $35 fee for a returned payment.
Credit First National Association Wheel Works Platinum Credit Card Verdict
It may seem appealing to have a credit card dedicated to the care of your car, but if you have great credit, consider the interest rates before you apply for this card. In addition, this is not a rewards credit card, which is something else that you will want to consider in your decision as well.
Use the credit card chaser tool to view credit card choices right now!
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