Credit First National Association is a nationally chartered bank that offers private label credit cards at Firestone Complete Auto Care, Tires Plus, Hibdon Tires Plus, Wheel Works, independent and affiliated dealers, as well as non-automotive retailers. Their mission is to consistently provide superior quality, consumer-friendly credit solutions.
Credit First National Association Reviews
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Credit First National Association
Angela Strode @jongiq1
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1 Star Rating
"Horrible! Avoid these people! I am a widow and had financial difficulties which led me to enter into a Debt Relief program in January, which I found out was doing nothing, so in August, I canceled them. CFNA had sent me a letter offering a settlement in April. I first ignored it, because the Debt Relief people had told me to do that, to have no further contact with my creditors. But I began receiving not only daily calls but multiple daily calls from creditors. I called to work with them. CFNA told me I would be in a "Hardship Program" and to make payments of $130 per month in July, August, and September via automatic withdrawal, which I agreed to, and after that last payment, to call and make an agreement on the settlement amount.
My last payment was 2 days ago. I called today five times. Three of those times the call dropped. No one called me back. After the first call dropped, I requested someone please call me back as a courtesy. It didn't happen. On the last call, I requested this to be escalated to a supervisor. The supposed supervisor says there is no Hardship Program and now my account is current, so they can't offer me a settlement!!! Meanwhile, now I am being charged interest and the $3.99 fee for paper statements even though my account is closed!!!
That's about $67 monthly at present, so that's $804 per year!!! It will never be paid off at that rate. It was against my better judgment to take out this card with such a high APR, but I needed tires and minor things done to the car. I also learned on the last two calls that their call center is in South Africa.
I am suspicious of the financial practices you can apparently perform there. I feel very scammed by this, and I thought I was going to have a heart attack by the time I got off the phone with the supervisor who talked over me. Not listening to me. Horrible!
This is a bad reflection on the guys at Tires Plus, and that's very sad, because they have been very good to me and helped me. They are great—just do not do business with CFNA. Rip-off artists!
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Un Sa @hihek51644
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1 Star Rating
They act like loan sharks. I had CFNA Tires Plus for years, and one time they mis-scheduled the 6-month deferred plan—which I believe is deceptive—they won't admit the error and are unrelenting. They are only interested in accruing interest and fees. I strongly advise against getting their 6-month deferred payment plan. It's terrible! They make you feel devalued, as if you're merely used and disposed of after they've taken their share of interest. They show no concern for their customers and simply move on to the next person to deceive. It's outrageous!
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Credit First National Association
Mike Hudgins @mikeh22020
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2 Star Rating
These guys lack even the basic online customer service capabilities. You cannot pay for charges until the statement, and when they do get paid with a direct transfer, even though the balance shows zero, it does not adjust your available credit for days after the transferring bank was debited. It was a good opportunity for a discount when I got tires, but I'm not sure it's worth the future discounts and I simply do not trust them, even though I pay in full every time; the interest rate is crazy high.
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rdondiego @rdondiego
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1 Star Rating
I've had an account with "these people" for almost 15 years. It seems that some loan sharks have taken control of this company, resulting in drastic changes to their business practices. After making a payment in full approximately 45 days ago, CFNA claims that my last payment was returned by my bank. Accordingly, they levied a $41.00 return payment fee on a $0.00 balance, which I contested immediately after determining the returned item was a bank error. They said they would only reverse the charge if I produced documentation that my bank account balance was positive at the time of the auto payment in question. Upon accessing this information via my corresponding bank statement, I immediately forwarded the proof (my bank statement) they requested via email. Even after acknowledging they were in receipt of the email, they did not credit my CFNA account as promised. Furthermore, they added an additional $41.00 punitive late fee (totaling $82.00), again on a $0.00 balance for services rendered, which I informed them I had no intention of paying. Quickly, they began an ongoing campaign of harassment via multiple telephone calls, emails, and text messages every day. If necessary, I am prepared to escalate this matter to the FCC and State District Attorney's office.
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Nita @NAught
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1 Star Rating
I missed one payment this year due to simply forgetting for the first time since opening my card in 2018. These guys lowered my credit limit by $1,500! I understand how credit works, trust me, but when asking them to restore my original limit, which I worked hard for, they couldn't do it. "You'll receive a letter explaining why we can't raise your credit limit right now." Okay, no, I want to know why it's so easy for these people to take things away from you, but so hard for them to correct a situation. I write out all of my bills monthly. This one time, I forgot to list CFNA and was 6 days late on my payment. I called as soon as I realized and made the payment including fees. I'll pay off this card and close it because, at this point, they don't deserve my business.
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Georgia McCurdy @georgiamccurdy2
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5 Star Rating
Verified Customer
I was very happy with them; I paid them off in full, $2006.77. They were very considerate. I paid my bill on time, and now that it's paid, I am happy myself.
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Jacob Johanesen @yakovyohan456
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1 Star Rating
Made consistent payments to my Firestone account for 2.5 years, over the minimum amounts. I missed a single payment, and then they lowered my limit by over $600. Customer service is completely useless, and this company knowingly and intentionally utilizes terrible systematic practices that put consumers in completely avoidable financial situations, harming their credit and causing them to pay more in interest and fees. Avoid doing business with this company!
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tgalecki11 @tgalecki11
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1 Star Rating
Scam! A 30% interest rate that keeps increasing! You'll never pay off your card. They quickly apply a late fee to your account with no grace period. They won't assist you. Scam!
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MAWPBC @MAWPBC
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1 Star Rating
I have had the card for a few years. I pay off the balance but opened it when I had to get four tires and work done to utilize the six months of no interest. I recently (March) used it for a purchase of over $800.00 and proceeded to pay it off. The merchandise I ordered has never arrived, it was supposed to be 7 to 10 days per receipt (now June), and the merchant kept telling me it was unusual and asked me to give them two more weeks. I agreed and told them I would dispute the charges if the merchandise was not received by May 23rd, which came and went without any communication, so I disputed the charge. Firestone called me today, over two weeks after my dispute, and informed me that they now have all the information and the credit can take up to 45 days. How can they take so much time when they have copies of my receipts, etc.? As soon as this is resolved, I will never use this card again. It was bad enough that the merchant made me wait, now my credit card company is making me wait over two months for a refund for merchandise I still have not received.
Awful company. They charge you interest if you can't pay off the credit card within a certain amount of time. I was charged $323.00, which is insane, making it impossible to pay down the card. I think you should be out of business for ripping off customers that way.
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Credit First National Association
mstittle51 @mstittle51
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1 Star Rating
I was one day late. Attempted to pay on a Friday. Payment was due on Monday. Every time I logged in I received the same message: "We are experiencing technical difficulties, please try again later." Tried to call and their phone would not even ring, just dead air. Finally, on Monday (one day late), their system was miraculously up and running. I contacted customer service after I made the payment, and they refused to waive the late fee even after I explained I had screenshots proving their system was down. I have proof that their system was down, but they don't care. I can't wait to pay this card off, and I will never take a vehicle to Bridgestone/Firestone again. Moreover, I will post on social media about my experience, especially after reading all these comments. I see they are far worse than what I experienced. I can't wait to be rid of them.
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pclasquin @pclasquin
System is down again. I made payment on May21 and still not credited to my acct. my bank is reversing payment since they never posted it. Also phones are down. Just get a recording that they are not getting calls . four straight days.
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kenneth moore @ked91wm6
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1 Star Rating
I'm an individual with good credit. I was late once because I was overseas but have never been late before and have excellent credit. I asked for them to waive the late fees, and they only met me halfway. Interest rates are extremely high, regardless of how good your credit is. The card I had was a Firestone credit card. It is definitely best to go to your local garage for repairs when you have good credit and just use cash or your lower interest rate credit card. I will never use Firestone or CFNA again. CFNA is part of the larger problem in this country of credit cards, just charging exorbitant amounts and interest because they can. I refuse to do business with them at all costs.
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daisythree @daisythree
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1 Star Rating
My credit card payments have been set up through auto-pay with my bank. For the last several months, my payments have been posting late. I even pushed my auto-pays so that they are now mailed three weeks before my due date, and they still are not posting. It seems to me they may be holding these payments to accrue late fees.
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Renee Johnson @reneejohnson78
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1 Star Rating
Avoid using them at all costs!!! Their customer service is a complete joke. If you need something, good luck! I called, spoke to four people in different departments, and none could help. I was told to email. So I emailed, and three weeks later, I got a response that had absolutely nothing to do with what I sent. I called a different number, which also told me they couldn't help but to email a different email address. So, I did. Two and a half weeks later, I received an email today stating that they can't help. What I need is very simple and would take someone literally less than two minutes to do. They are seriously incompetent.
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fgdgroup @fgdgroup
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1 Star Rating
Horrible experience! Waited on the phone for 18 minutes! And 38 more customers online before me still on the same situation ! It's a joke! Why does America allow this abuse?
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Credit First National Association Q&A(21 questions)
Get answers to your questions about Credit First National Association below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can make a Firestone Credit Card payment online, by phone, or by mail. To pay a Firestone Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Credit First National Association does allow cardholders to set up automatic payments, too.
Ways to Make a Firestone Credit Card Payment
Online: Log in to your online account and click on “Payments.”
By phone: Call (800) 321-3950 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Credit First NA P.O. Box 81344 Cleveland, OH 44188-0344.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Firestone Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
No, you cannot use your Firestone Credit Card anywhere you want, as you can only use it for purchases at Firestone. The Firestone Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Firestone Credit Card offers accountholders 5% off your first purchase and has an annual fee of $0,...
You can make a Tires Plus Credit Card payment online, by phone, by mail or at a branch. To pay a Tires Plus Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. CFNA does allow cardholders to set up automatic payments, too.
Actually now you can use your tires plus card at any company that cnfa uses like Firestone, wheel works, any of them that issue cnfa cards go online and look.
You need a credit score of 640 or better to get the Firestone Credit Card. That means you should have a good shot at getting approved as long as you have at least fair credit and enough income to afford monthly bill payments.
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 Firestone Credit Card, too. Some other key criteria include...
No, most CFNA credit cards cannot be used anywhere you want. The majority of the CFNA credit cards are store cards, which means they're not backed by any major credit card network and only work at affiliated locations, such as Firestone Complete Auto Care and Bosch Auto Service, among others.
You cannot get a cash advance with Firestone Credit Card. The Firestone Credit Card can only be used for purchases and only at Firestone locations.
The fact that Firestone Credit Card cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may also...
No, you cannot use a Firestone Credit Card at Walmart, as it is a store card and can only be used at Firestone locations. Store credit cards are not tied to any major network and can only be used for purchases with certain retailers.
The Firestone Credit Card offers a 5% discount on your first purchase, $20 off any $100 service purchase and more.
However, if you're looking for a card you can use to buy Firestone tires at...
You can use your Firestone Credit Card on various types of purchases at Firestone and participating automotive retailers, including maintenance, car repairs, services, tires, parts and accessories. Because it's not issued on a major payment network (Visa, Mastercard, American Express, etc), the Firestone Credit Card only works at affiliated locations, but if you have the Firestone Mastercard, you can use it pretty much everywhere credit cards are accepted.
The Firestone Credit Card can be a good option for auto-related purchases, as it offers various perks and rewards. The card can also offer promotional financing on purchases of $149 or more, and it comes with a $0 annual fee.
To report a lost Firestone Credit Card, call Credit First National Association customer service at 1 (800) 321-3950. Credit First National Association will request some information to verify your identity before sending a replacement.
How to Report a Lost Firestone Credit Card
Call Credit First National Association customer service at 1 (800) 321-3950.
Inform the customer service representative that you've lost your card.
Provide any requested information, such as your date of birth or the last four digits...
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