How do I apply for the Harbor Freight Credit Card? This question is about the Harbor Freight Credit Card

The easiest way you can apply for the Harbor Freight Credit Card is online. Alternatively, you can apply for this credit card in person, at your nearest Harbor Freight store location. Keep in mind that the Harbor Freight Credit Card requires at least fair credit for approval. How to Apply for the Harbor Freight Credit Card Online Visit the Harbor Freight Credit Card webpage. Click on the “Apply Now” button. Enter the last 4 digits of your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Then, enter your mobile phone number and click “Continue.” You can skip entering your mobile phone number by clicking on “I don't have a mobile phone number.” Type your name, address, contact information, and income. Then, hit “Continue.” Review the information you provided and submit your application. It’s worth noting that you can also check online to see if you prequalify for the Harbor Freight Credit Card. Unlike an actual application, pre-qualification is based on a soft inquiry on your credit report and does not affect your credit score. If you decide to apply for this card, though, there will be a hard pull on your credit report. Just keep in mind that pre-qualification indicates that you have good odds of approval (90%) but it does not guarantee it.

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How do I apply for the Harbor Freight Credit Card?

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This question is about the Harbor Freight Credit Card

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Maria Adams, Credit Cards Moderator

@m_adams • 06/21/22 This answer was first published on 06/21/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The easiest way you can apply for the Harbor Freight Credit Card is online. Alternatively, you can apply for this credit card in person, at your nearest Harbor Freight store location.

Keep in mind that the Harbor Freight Credit Card requires at least fair credit for approval.

How to Apply for the Harbor Freight Credit Card Online

Visit the Harbor Freight Credit Card webpage.
Click on the “Apply Now” button.
Enter the last 4 digits of your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Then, enter your mobile phone number and click “Continue.”

You can skip entering your mobile phone number by clicking on “I don't have a mobile phone number.”
Type your name, address, contact information, and income. Then, hit “Continue.”
Review the information you provided and submit your application.

It’s worth noting that you can also check online to see if you prequalify for the Harbor Freight Credit Card. Unlike an actual application, pre-qualification is based on a soft inquiry on your credit report and does not affect your credit score.

If you decide to apply for this card, though, there will be a hard pull on your credit report. Just keep in mind that pre-qualification indicates that you have good odds of approval (90%) but it does not guarantee it.

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What credit score do you need for the Harbor Freight Credit Card?

The credit score you need for the Harbor Freight Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

Other things you need for the Harbor Freight Credit Card:

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Harbor Freight Credit Card, too. Some other key criteria include your income,...

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What credit bureau does the Harbor Freight Credit Card use for approval?

The Harbor Freight Credit Card uses either Experian, Equifax or TransUnion for approval. The selection is done randomly, so there is no way to know beforehand.

After you get approved, the card will report your activity every month to all three bureaus.

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