A Complete Guide to Credit First Auto Store Credit Cards

Understanding Credit First Auto Store Credit Cards

If you come across a credit report with the acronym ‘CFNA,’ you might wonder what it indicates. CFNA stands for Credit First National Association, an Ohio-based bank specializing in personal and business banking services. They issue around 40 store-specific credit cards nationwide, primarily linked to auto retailers. These include partnerships with Firestone, Bridgestone, and Tires Plus, allowing vehicle owners to finance auto repairs and tire purchases conveniently.

CFNA offers dedicated credit cards tailored for auto repair and tire services, usable at affiliated stores across the US. Applying is straightforward, enabling users to select a card suited to their vehicle usage. These cards are ideal for owners with multiple vehicles, as they require purchases at a specified retailer. For instance, the Firestone Complete Auto Care credit card provides vehicle owners a convenient way to cover repairs, maintenance, and tire replacements nationwide, often bundled with special offers and discounts.

If you have a Credit First account, your name appears on all three major credit reports with specific labels like “CFNA Firestone,” “CFNA Bridgestone,” or “CFNA Tires Plus.” If you see these codes without an account, it might indicate potential fraud. Immediately contact CFNA to address unrecognized accounts or inquiries. They can guide you on dispute procedures or temporary credit freezes. Curious about the card’s features? Read on to learn more.

The benefits of owning a CFNA credit card include:

Six-Month Interest-Free Promotion: Make minimum payments on time, and if the balance is paid in full within six months, no interest or late fees apply. Missing payments cancels this offer.

Credit Limit Increases: After six months with on-time payments and sufficient income, you can request a credit limit review. This is a soft inquiry and won’t impact your credit score.

Secure Online Management: Manage your account digitally, ensuring privacy and convenience from home with a secure network connection.

Flexible Payment Options: Pay online, via check, money order, or cash mailed to the address. Alternatively, use the toll-free number for debit payments.

Extensive Retail Network: Accepted at over 1,600 auto stores nationwide, these cards often come with special automotive discounts and no annual fee.

However, there are some limitations to consider:

This is a retail-specific card, not accepted at ATMs or non-affiliated merchants.

Some competitors offer additional perks like free oil changes beyond the interest-free period.

Interest charges apply if payments are not made within the promotional window.

Late payments incur fees based on the balance amount.

Customer reviews cite concerns over poor communication and frequent credit policy changes by CFNA.

Always read the fine print before applying. Avoid overextending your finances with multiple cards you can't manage effectively. Use CFNA cards only if you are confident in your ability to keep track of payments and terms.