The easiest way you can pay your Firestone Credit Card is either online or over the phone, by calling customer service at (800) 321-3950. Alternatively, you can make a payment via mail. You cannot pay your Firestone Credit Card bill in person.
Here’s how you can pay your Firestone Credit Card:
Online: To make an online payment, just log in to your account and click the “View Payments” link.
Phone: If you prefer to make a Firestone Credit Card payment over the phone, call (800) 321-3950 and follow the prompts.
Mail: To make a payment via mail, send a check or money order (but not cash) to the following address: Credit First NA P.O. Box 81344 Cleveland, OH 44188-0344
Just keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
If you don’t pay your credit card bill at all, you will likely get charged a late fee, lose your grace period, and have to pay interest at a penalty rate. Your credit score will also go down if you fall at least 30 days behind on a credit card bill payment. If you continue to not pay, your issuer may close your account, though you’ll still be responsible for the bill.… read full answer
If you don’t pay your credit card bill for a long enough time, your issuer could eventually sue you for repayment or sell your debt to a collections agency (which could then sue you). But it’s not all or nothing with credit card payments. It’s an entirely different story if you simply pay the minimum amount required.
If you always pay at least the minimum required by your due date, your account will remain in good standing and you won’t have to face late fees, penalty rates or credit score damage. You’ll just have to pay interest on the remaining balance at your card’s regular rate.
Here’s what happens if you don’t pay your credit card:
If you pay the minimum required but not the full balance due: Your total unpaid balance will accrue interest at your card’s normal APR. You’ll also lose your grace period, so new purchases will accrue interest right away, too.
If you don’t pay at all: Your account will be reported as past-due to the credit bureaus after two missed due dates. That will hurt your credit score. In addition, a late fee of up to $40 may be tacked onto your balance (but it can’t exceed your minimum payment). Your issuer may also apply a penalty APR to new purchases, though they must inform you 45 days in advance.
If you get 60 days behind on minimum payments: The issuer can apply a penalty APR to your entire existing balance.
If you get 180 days behind on minimum payments: The credit card company will have to charge off your debt (consider it a loss for taxes). But that doesn’t mean they’ll stop trying to get you to pay. They may sell your debt to a collections agency, or they may choose to sue you.
If you don’t pay for 3-15 years: You are vulnerable to a lawsuit, depending on which state you live in. Time-barred debt is not a valid defense until your state’s statute of limitations runs out. If you lose a lawsuit and are ordered to pay, you might have your wages or bank account garnished.
So the bottom line is that you should always try to make at least the minimum payment on your credit card. Sure, you’ll still owe interest, but you won’t have to deal with the other negative consequences of not paying your credit card at all.
If you’ve fallen behind, the most important thing to do is catch up on your missed minimum payments and bring your account back to current status. After that, your goal should be to pay your full balance due for two months straight. Though that’s easier said than done, doing so will restore your grace period and stop the buildup of new interest.
Technically, you can pay a store card with a credit card, but you will not be able to do this directly.
Your first option is to take out a cash advance from your credit card and pay your store credit card bill with the cash. This, however, might prove to be rather costly, as cash advances come with exorbitant fees and possibly a higher interest rate, which will start accruing immediately.… read full answer
Your second option is to transfer the balance from the store card to another card that offers 0% APRs on balance transfers. Then you’ll be able to pay some or all of it off without accruing more interest. If you have excellent credit, there are several great offers on the market. However, make sure you pay attention to the length of the promotional offer and the balance transfer fee, to make sure it doesn’t cancel out whatever you save on interest.
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