Are you a frequent shopper at Harbor Freight stores online and in physical stores? Why don’t you try their Harbor Freight credit card which gives you cashback, rewards, and great discounts when you shop at their stores?
If you want to know more about harbor freight store card then this post is all about harbor freight credit card reviews.
Harbor Freight Credit Card: What is it
Harbor Freight Tools, a large national shop that provides a variety of tools and equipment for DIY enthusiasts, hobbyists, and professionals, offers the Harbor Freight Credit Card, a store credit card.
Synchrony Bank is the company that issues your Harbor Freight Tools credit card which can be used at any Harbor Freight Tools store or online at the company’s website.
The Harbor Freight Credit Card offers cardholders a number of advantages, such as exclusive discounts, special financing choices, and reward points for every dollar spent. Cardholders can also receive advance information on sales events and access to exclusive offers.
The Harbor Freight Credit Card offers deferred interest financing, which enables cardholders to make purchases without paying interest as long as they pay the balance in full within a certain time frame.
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Cardholders can also benefit from cheap monthly payments for longer-term financing on bigger purchases.
With the Harbor Freight Credit Card, cardholders can participate in the rewards program and receive points for every dollar spent. Gift cards from Harbor Freight Tools, special discounts, and other perks can be obtained by exchanging these points.
The Harbor Freight Credit Card, like the majority of shop credit cards, often carries a high-interest rate, and late or missed payments may incur fines and fees. In order to prevent interest and additional fees, it is crucial to use the card properly and make payments on time.
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How Does Harbor Freight Credit Card Work?”
Although it is particular to Harbor Freight Tools, the Harbor Freight Credit Card functions similarly to most other credit cards. This is how it goes:
To prevent late fines and penalties, you must always pay the bare minimum each month. To prevent paying interest, you should try to pay off your balance entirely each month.
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What are the Harbor Freight credit card requirements?
Synchrony Bank which provides Harbor Freight cards required to gather many types of personal data. These details consist of:
If you fulfill all the harbor freight credit card requirements, then only you can apply for this card.
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Benefits of the Harbor Freight Credit Card:
Users of the Harbor Freight Credit Card can take advantage of a number of benefits.
Options for Special Financing: The Harbor Freight Credit Card provides alternatives for special financing that let you make larger purchases and pay them off over time with affordable monthly payments.
Depending on the deal, you might be able to get deferred interest financing, which means that if you pay off your purchase within a certain amount of time, you won’t be charged interest on it.
Your Harbor Freight promotional purchase amount is not subject to interest charges, but you must make equal monthly payments until the complete amount is paid.
The entire purchase cost (including tax and delivery) is divided by the number of months in the promotional period to determine the equal monthly payment.
If you miss a necessary monthly payment deadline, a late fee and interest may be added to your account balance. Interest will be added to late fees incurred for failure to make a monthly payment by the deadline, which the cardholder will be obligated to pay.
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Rewards Points: The Harbor Freight Credit Card has a rewards program as well. Every dollar you spend with the card is worth one point, which you can exchange for Harbor Freight Tools gift cards, special offers, and other prizes. Also, the Harbor Freight Credit Card offers 5% cash back benefits on any purchases in Harbor Freight money.
You will receive five (5) reward points for each dollar ($1) in net purchases made with your Harbor Freight Tools Credit Card at any Harbor Freight Tools physical location inside the United States or online at www.harborfreight.com.
However, purchases made through promotional financing are not qualified to get reward points.
Even you have the option to convert your reward points into Harbor Freight Cash. You will earn $5 in Harbor Freight Money for every 500 reward points you have remaining in your rewards account.
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Redeem Harbor Freight Money: At any Harbor Freight Tools physical store location, you can redeem your Harbor Freight Money and use the value against your purchase of Harbor Freight Tools.
You must visit a Harbor Freight Tools physical location by the certificate’s expiration date, along with the original certificate that was mailed to you via your billing statement, in order to redeem your Harbor Freight Money (or the electronic copy of the certificate if you receive electronic billing statements).
Reproductions or photocopies won’t be accepted. Certificates that are lost, stolen, or damaged won’t be replaced. The redemption or usage of each Harbor Freight Money certificate is only permitted once. Several certificates may be redeemed in a single transaction.
Any available credit line on your Harbor Freight Tools Credit Card may be used to cover the remaining balance of the purchase if the total is greater than the value of the Harbor Freight Money being redeemed.
Harbor Freight Tools coupons can be used in conjunction with Harbor Freight Money. Gift cards or gift certificates for Harbor Freight Tools cannot be bought with Harbor Freight Money.
Any Harbor Freight Tools Credit Card account cannot be credited with or paid with Harbor Freight Money.
Expiration: If your Harbor Freight Tools Credit Card has been inactive for 24 months without any eligible purchase activity, reward points will expire and be withdrawn from your rewards points balance.
Each certificate’s expiration date is printed on it, and Harbor Freight Money that has passed its expiration date cannot be redeemed or exchanged.
Discounts that are only available to cardholders: Cardholders are entitled to discounts and promotions that are only available to cardholders. These reductions could come in the form of coupons, sales occasions, and other deals. On the day that your account is opened, you will receive a 10% flat discount on all of your purchases.
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Fraud Protection: In the event that your card is lost or stolen, the Harbor Freight Credit Card offers you fraud protection against unauthorized charges.
No Annual Fee: There is no yearly charge for the Harbor Freight Credit Card.
Early Access: Prior to being made available to the general public, some promotions and sales events are also made available to cardholders.
Easy Online Account Management: You may easily pay your bills, see account activity, and keep track of your reward points by managing your Harbor Freight Credit Card account online.
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Harbor Freight Credit Card fee and charges:
The Harbor Freight Credit Card has fees and charges attached to it, just like the majority of credit cards do.
There is no yearly charge for the Harbor Freight Credit Card.
Interest Rate: Depending on your creditworthiness and other circumstances, the interest rate for the Harbor Freight Credit Card fluctuates. The APR is variable for purchase, 29.99%. Therefore it’s crucial to pay off your entire balance each month to stop interest from accumulating.
Minimum interest rate: And the minimum interest charge is $2.
Late payment fee: You are charged a late fee by Harbor Freight. If you don’t pay the whole minimum payment due on your account by 5 p.m. (ET) on the due date, they assess this fee.
If you have made your full minimum payment by the due date for the previous six billing cycles, you are exempt from this cost, which equals to $30 or if you have missed one or more of the previous six billing cycles’ total minimum payments by the due date then they will charge you $41.
But the entire minimum payment that was due will not be exceeded by the late payment fee.
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The charge for Returned Payments: You may be assessed a cost of up to $40 if a payment is returned for any reason, including insufficient funds.
Cash Advance Fee: If you use your Harbor Freight Credit Card to obtain a cash advance, a fee of $10 or 5% of each transaction’s value, whichever is greater, will be assessed.
Foreign Transaction Fee: A foreign transaction fee of 3% of the transaction amount will be applied if you use your Harbor Freight Credit Card to make a purchase outside of the United States.
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Guide to harbor freight credit card application process
There are mainly two ways to apply for a Harbor Freight Credit Card, online, in-person, or by mail.
The following steps will show you how to apply online for a Harbor Freight Credit Card:
First, you need to visit Harbor Freight’s website.
Here, you need to click on Apply Now button in the right side corner. To begin the application process, click the “Apply Now” button on the credit card page.
To complete the application You will need to submit personal information such as your name, address, phone number, email address, and social security number.
You must also supply information about your place of employment, including the name, address, and phone number of your employer.
Examine the Terms and Conditions: Before submitting your application, be sure to thoroughly read the Terms and Conditions of the Card, which include the interest rate, fees, and other crucial information.
Application Submission: To send your application to the issuer for review after reading and accepting the terms and conditions, click the “Submit” button.
Wait for a decision: After reviewing your application, the issuer, Comenity Bank, will let you know what they have decided. Between 7 to 10 business days after receiving approval, you’ll receive your card in the mail.
As an alternative, you can fill out an application for a Harbor Freight Credit Card in person by going to any Harbor Freight Tools location.
By requesting an application form from Harbor Freight customer care and mailing your completed application in, you can also apply for the card by mail.
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How to pay harbor freight credit card payments?
To make it simple and handy for cardholders to pay their harbor freight credit card payment securely and quickly online, Harbor Freight Credit Card offers a number of online payment methods. The following are the accessible online harbor freight card payment options:
Online Bill Payment: By connecting to your account at the Comenity Bank website, you can pay your Harbor Freight Credit Card bill online. Then, to make sure you never forget a payment, you can plan a one-time payment or set up automatic installments.
Harbor freight credit card app: You may manage your Harbor Freight Credit Card account, including making payments, from your mobile device using the Comenity Bank app, which is available for both Android and iOS devices.
By phone: You can call their toll-free number (855) 341-3108 to pay your overdue credit card bill, but keep in mind that there can be a cost if you use an agent to process the payment.
By mail: You can send a check to the address listed on your credit card statement to pay your outstanding credit card bill.
Harbor Freight Credit Card employs a number of security procedures to safeguard your information and thwart fraud. Your data is encrypted using Secure Socket Layer (SSL) technology on the Internet and mobile app, and the bank keeps a close eye on your account for any unusual activity.
In addition, the bank provides zero liability protection, which means that any unlawful charges to your account will not be held against you. Contact customer care right away if you discover any unauthorized activity on your account so that it can be reported and fixed.
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Pros & Cons of Harbor Freight Credit Card
The Harbor Freight Credit Card includes both advantages and disadvantages that should be taken into account before applying. Listed below are some advantages and disadvantages of the Harbor Freight Credit Card:
Pros
- Rewards Program: The Harbor Freight Credit Card features a rewards program that allows you to earn points for every dollar you spend, which can be redeemed for Harbor Freight Tools gift cards.
- Special Discounts: With a cardholder, you’ll receive exclusive offers email from the harbor freight department all year long, such as a 10% discount on your initial purchase.
- The Harbor Freight Credit Card does not charge an annual fee, which could end up saving you money over time.
- Versatile Payment Options: The card provides a number of payment alternatives, such as online bill payment, a mobile app, and AutoPay, making it simple to manage your account and make on-time payments.
- Mobile app facility to make alerts, pay your bills
- Data security
Cons
- High-Interest Rate: The Harbor Freight Credit Card has a high-interest rate, which means that if you carry a balance on the card, you could pay a lot of money in interest fees.
- Only Harbor Freight Tools gift cards are available as a redemption option for the benefits you earn with the card, which may make them less useful or flexible than rewards from other programs.
- Restricted Acceptance: As the Harbor Freight Credit Card is only valid at Harbor Freight Tools locations, it may not be as handy as other credit cards that accept payments at a larger variety of merchants.
- Late Payment Fees: You will be assessed a late payment fee if you skip a payment or pay it after the due date. These fees can accumulate over time and raise the cost of using the card.
Overall, if you frequently purchase tools from Harbor Freight Tools and can benefit from the rewards program and special offers, the Harbor Freight Credit Card can be a smart choice for you.
But, you might want to look at other credit card options with lower interest rates and more reward flexibility if you carry a balance on the card or prefer more flexible options for redeeming points.
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Tips for Maximizing Your Savings with the Harbor Freight Credit Card
There are various methods to make the most of your Harbor Freight credit card and optimize your savings if you have one. Here are some pointers for using your Harbor Freight Credit Card to reduce costs and accumulate rewards:
Make Use of the Rewards Program: The Harbor Freight Credit Card features a rewards program that allows you to earn points for every dollar you spend. Use your card to pay for all of your Harbor Freight Tools purchases to take advantage of this offer.
Utilize Coupons and Discounts: Harbor Freight Tools also offers coupons and discounts all year long in addition to the rewards program. To optimize your savings, make sure you combine these offers with your credit card.
Pay Your Amount in Full: Make sure to pay your debt in whole each month to prevent incurring interest fees.
Look for Special Promotions: Harbor Freight Tools occasionally offers unique promotions and deals for cardholders, such as bonus points or discounts. To take advantage of these promotions as they become available, be sure to keep an eye out for them.
Use the Card for Big Purchases: If you’re planning to make a major purchase at Harbor Freight Tools, consider using your credit card to earn more rewards. Just be sure to settle the bill as soon as you can to prevent interest from accruing.
Watch Your Account: Keep a close eye on your account to make sure you’re accruing points and avoiding any unwanted fees or charges. This will also you in keeping up with your payments and prevent late fines.
By using these pointers, you can make the most of your purchases at Harbor Freight Tools while maximizing your discounts and benefits with your Harbor Freight Credit Card.
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Harbor Freight Credit Card Customer Support Service & Contact Information
To get connected with harbor freight, either you can visit their contact us page or the need help page. You can get technical support from harbor freight by calling customer care at 1-800-444-3353 or you can send them a message. You will get an email from the harbor freight department on the next working day. Harbor freight hours are Monday to Sunday from 6 am to 6 pm (PT).
Other credit cards to consider
There are many other stores, and unsecured and secured credit cards are available which you can consider.
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These credit cards will also help you to build your credit history.
Harbor Freight Credit Card Reviews:
There are mixed harbor freight credit card reviews on third-party websites like Trustpilot. Some people are happy while some of them are complaining about their customer service.
Is a harbor freight credit card worth it?
A store credit card, the Harbor Freight credit card can only be used at Harbor Freight Tools locations.
The card comes with a number of advantages, such as unique cardholder promotions, special financing options on purchases above $299, and 5% cashback incentives on certain transactions.
Before applying for the Harbor Freight credit card, it’s necessary to weigh the possible downsides, just as with any other credit card.
This could include exorbitant interest rates, yearly charges, and fines for making late payments or going over your credit limit. When applying, it’s crucial to carefully study the terms and conditions and make sure you comprehend all the costs and specifications.
Your own financial condition and spending patterns will ultimately determine whether the Harbor Freight credit card is worthwhile. If you frequently purchase items from Harbor Freight and are eligible for the card’s perks, it might be worth your while to apply.
But, it could be smart to look into other choices if you don’t purchase frequently or if you have worries about managing credit card debt.
How much Harbor freight credit score is needed?
Yet, just like with other credit cards, Harbor Freight credit card acceptance will be determined by a number of variables, including your credit score, credit history, income, debt-to-income ratio, and other financial details.
To be eligible for a credit card, you typically need to have a good to outstanding credit score, which is often 670 or higher. However, depending on the policies of the issuer and the kind of credit card you’re looking for, credit score requirements may change.
How do I pay my harbor freight credit card?
There are various ways to pay your Harbor Freight credit card account. These are the most typical techniques:
Online: You can use a checking account, debit card, or credit card to make a payment by logging onto your Harbor Freight credit card account online.
Phone: The customer care number is located on the back of your Harbor Freight credit card, and you can use it to make a payment. To submit your payment details, adhere to the directions.
Mail: The payment address shown on your billing statement is where you should send a check or money order. Ensure that the payment includes your account number.
Does harbor freight accept American Express?
Only Harbour Freight’s own credit cards are eligible for discounts. But you can use any card as a means of payment.