Harbor Freight Credit Card is a well-known chain of retail stores that offers a wide range of tools and equipment for home improvement, construction, and auto repairs. The company provides its customers with an opportunity to save more money by offering a credit card that can be used to purchase items from its stores and website.
Harbor Freight credit card is issued by Comenity Bank and offers a variety of benefits to its cardholders. However, it also has some drawbacks that you should be aware of before applying for it.
If you’re a regular shopper at Harbor Freight, you might have heard about their credit card. The Harbor Freight credit card is a store credit card that allows you to make purchases at Harbor Freight and enjoy exclusive benefits. In this article, we’ll provide you with a comprehensive guide on how to log in to your Harbor Freight credit card account, the benefits you’ll enjoy as a cardholder, and answers to some common FAQs.
The Harbor Freight credit card is a store credit card that can only be used at Harbor Freight stores. It comes with various benefits, including exclusive discounts, special financing options, and a no-interest grace period. To enjoy these benefits, you need to log in to your Harbor Freight credit card account regularly. In the next sections, we’ll provide you with a comprehensive guide on how to log in to your account and make payments.
What is the Harbor Freight Credit Card?
The Harbor Freight credit card is a store credit card that is issued by Comenity Bank. The card is exclusively for Harbor Freight customers and can be used to make purchases at Harbor Freight stores. The card comes with various benefits, including 10% off your first purchase, special financing options, and a no-interest grace period.
Benefits of Having a Harbor Freight Credit Card
There are many benefits to having a Harbor Freight credit card. These include:
- Exclusive discounts and promotions
- Special financing options
- No-interest grace period
- Easy online account management
- Fraud protection
Harbor Freight credit card offers many benefits to its cardholders. Here are some of the major benefits:
1. Exclusive Discounts and Promotions
Harbor Freight credit cardholders get access to exclusive discounts and promotions throughout the year. These discounts can range from 10% to 20% or more, depending on the promotion.
2. No Annual Fee
Harbor Freight credit card does not charge an annual fee, which means you can save money by using this credit card for your purchases without worrying about paying any extra fees.
3. Special Financing Options
Harbor Freight credit card offers special financing options on purchases above a certain amount. You can enjoy 0% interest rates for 6 to 12 months, depending on the purchase amount.
4. Online Account Management
Harbor Freight credit card offers a convenient online account management system that allows you to check your account balance, view your transaction history, and make payments online.
How to Apply for a Harbor Freight Credit Card?
To apply for a Harbor Freight credit card, you need to visit a Harbor Freight store and fill out an application form. You’ll need to provide your personal information, including your name, address, and social security number. Once you’ve submitted your application, you’ll need to wait for a response from Comenity Bank.
If you are interested in applying for a Harbor Freight credit card, you can follow these simple steps:
- Visit the Harbor Freight Tools website or go to a Harbor Freight store near you.
- Click on the “Apply for Harbor Freight Credit Card” button.
- Fill out the online application form with your personal and financial information.
- Submit the application and wait for the response from the issuer.
How to Log in to Your Harbor Freight Credit Card Account?
To login to your Harbor Freight credit card account, you’ll need to follow these steps:
- Go to the Harbor Freight credit card login page on the Comenity Bank website.
- Enter your username and password in the appropriate fields.
- Click the “Sign In” button.
How to Make Payments on Your Harbor Freight Credit Card?
To make payments on your Harbor Freight credit card, you can do any of the following:
- Online: Log in to your account on the Comenity Bank website and make a payment.
- Phone: Call the Comenity Bank customer service number and make a payment over the phone.
- Mail: Send a check or money order to the address listed on your billing statement.
How to Activate Your Harbor Freight Credit Card?
To activate your Harbor Freight credit card, you need to follow these steps:
- Go to the Harbor Freight credit card activation page on the Comenity Bank website.
- Enter your credit card number, zip code, and social security number in the appropriate fields.
- Click the “Activate Card” button.
What to Do If You Forget Your Harbor Freight Credit Card Username or Password?
If you forget your Harbor Freight credit card username or password, you can retrieve it by following these steps:
- Go to the Harbor Freight credit card login page on the Comenity Bank website.
- Click the “Forgot your username or password?” link.
- Enter your credit card number, zip code, and social security number in the appropriate fields.
- Click the “Find my account” button.
How to Close Your Harbor Freight Credit Card Account?
If you wish to close your Harbor Freight credit card account, you can do so by calling the Comenity Bank customer service number or by sending a request via mail. Before you close your account, make sure that you have paid off all outstanding balances.
Harbor Freight Credit Card Rewards Program
Apart from the benefits and drawbacks mentioned above, the Harbor Freight credit card also has a rewards program. This program allows you to earn rewards points for every purchase made with your credit card. Once you accumulate enough points, you can redeem them for various rewards such as gift cards and merchandise.
Harbor Freight Credit Card Approval Requirements
To apply for a Harbor Freight credit card, you must meet the following requirements:
- You must be 18 years of age or older.
- You must have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- You must have a good credit score.
Drawbacks of Harbor Freight Credit Card
Along with the benefits, the Harbor Freight credit card also has some drawbacks that you should be aware of before applying for it.
1. High-Interest Rates
Harbor Freight credit card has a high-interest rate, which means you may end up paying more in interest charges if you carry a balance on your credit card.
2. Limited Use
Harbor Freight credit card can only be used at Harbor Freight stores and websites, which means you cannot use it for purchases outside of the store.
3. Credit Score Impact
Applying for a Harbor Freight credit card can impact your credit score, as the issuer will run a credit check before approving your application.
Harbor Freight Credit Card Interest Rates and Fees
Harbor Freight credit card has a variable interest rate that ranges from 27.99% to 29.99%. The interest rate is determined based on your creditworthiness and the current market rates.
Apart from the interest rate, Harbor Freight credit card also charges the following fees:
- Late payment fee: up to $40
- Returned payment fee: up to $40
- Cash advance fee: 5% of the cash advance amount or $10, whichever is greater
- Foreign transaction fee: 3% of the transaction amount in U.S. dollars
Harbor Freight Credit Card Customer Service
If you have any questions or concerns regarding your Harbor Freight credit card, you can contact the customer service of Harbor Freight at (866) 396-8254. Customer service is available 24/7 to assist you with any issues related to your credit card.
Frequently Asked Questions (FAQs)
- Can I use my Harbor Freight credit card at other stores?
No, the Harbor Freight credit card can only be used at Harbor Freight stores.
- Can I apply for a Harbor Freight credit card online?
No, you can only apply for a Harbor Freight credit card in-store.
- How long does it take to receive a response after applying for a Harbor Freight credit card?
It typically takes 7-10 business days to receive a response after applying for a Harbor Freight credit card.
- What is the interest rate on a Harbor Freight credit card?
The interest rate on a Harbor Freight credit card varies depending on the cardholder’s creditworthiness.
- What is the minimum payment for a Harbor Freight credit card?
The minimum payment for a Harbor Freight credit card varies depending on the cardholder’s balance and other factors.
Bottom Lines
The Harbor Freight credit card can be a great tool for saving money on your purchases at Harbor Freight stores. By following the steps outlined in this article, you can log in to your account, make payments, and enjoy the many benefits of being a Harbor Freight credit card holder. If you have any further questions or concerns, don’t hesitate to contact Comenity Bank customer service.