The easiest way to apply for the Pep Boys Credit Card is online. Alternatively, you can apply by visiting your nearest Pep Boys store location. Unfortunately, you cannot apply for this card over the phone.

Keep in mind that the Pep Boys Credit Card requires at least fair credit for approval. It's also worth noting that the issuer requires applicants to check for pre-approval before they can apply. So, you will have a good idea of your approval odds before you submit your application. If you don't know where you stand, you can also check your score for free, right here on WalletHub.

How to Apply for the Pep Boys Credit Card Online

1. Visit the Pep Boys Credit Card application webpage and click on “Prequalify Now.”
2. Add your SSN and mobile phone number to start the process.
3. Add the information required, like your name, address, date of birth, income information, and Social Security number (SSN) or Individual Taxpayer Identification number (ITIN). Then, click on “See If I Prequalify.”
4. Read the card's terms and conditions and submit your application.

Most applicants receive a decision in seconds. If you're not immediately approved or denied, allow 7-10 business days for the issuer to review your application.

You can use your Pep Boys Credit Card for purchases at Pep Boys locations and over 500,000 other automotive locations and gas stations nationwide. This is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.

Where You Can Use Your Pep Boys Credit Card

• Pep Boys locations
• Synchrony car care locations

Even though store credit cards have limited acceptance, they can still be a...

The Pep Boys Credit Card interest rate is 34.99%. The regular Pep Boys Credit Card interest rate is fixed, meaning the rate does not change based on economic conditions, like a variable rate would.

The Pep Boys Credit Card gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that...

The easiest way to apply for the Pep Boys Credit Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Pep Boys Credit Card is available to people with fair credit or better, which means you need a 640+ credit score for high approval odds. You can check your credit score for free here on WalletHub.

How to...

The Pep Boys Credit Card does not disclose a credit limit in its terms and conditions. Pep Boys Credit Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores generally receive the highest starting credit limits.

The Pep Boys Credit Card credit limit that you receive when you're approved isn't necessarily permanent. You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it's best not to ask more...

You cannot buy a gift card with your Pep Boys Credit Card. This is a store card that can only be used for Pep Boys purchases online and in stores. For that reason, the Pep Boys Credit Card doesn't belong to any of the major card networks.

Pep Boys gift cards can only be purchased using a Visa, Mastercard, American Express, or Discover card.

No, you cannot transfer your Pep Boys Credit Card balance to another credit card. The issuer does not allow balance transfers, regardless of whether they're to or from the card.

You can try negotiating for a lower APR instead, by calling the issuer's customer service at (866) 396-8254. This is much more likely to work if you're trying to get a fee waived, but it doesn't hurt to try.

Yes, the Pep Boys Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.

The Pep Boys Credit Card requires fair credit or better to be approved. You can...

You can check your Pep Boys Credit Card application status by calling 1 (866) 396-8254. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Synchrony Bank can match you to your application. You unfortunately cannot check your Pep Boys Credit Card application status online.

How to Check Your Pep Boys Credit Card Application Status

1. Call 1 (866) 396-8254.
2. Follow the prompts that lead to an application status check or connect with a...

No, usually, the Pep Boys Credit Card does not do a hard pull for credit limit increases. A request for a credit limit increase will result in a soft pull on your credit. However, in some cases, additional reviews will be necessary for the resolution, which could result in a hard pull.

You can request a credit line increase for your Pep Boys Credit Card by calling (866) 419-4096, or through your online account.

Finally, it is worth noting that the issuer also...