Firestone has been producing world-class tires and other rubber products for American buyers since 1900. The company's initial products also included side-wire tires, pneumatic tires and other different types of tires automotive across the US used. In 1988 the Japanese Company, Bridgestone Corporation bought Firestone Tire and Rubber Company. Soon, the company products got global exposure and consumers from other nations began voicing their preference for the company's product quality.

Today, several companies operate under the Firestone umbrella. They include the Firestone Industrial products, Firestone Building Products LLC, Firestone Natural Rubber Company, Firestone Complete Auto Care and Firestone Specialty Products. Among them, the Firestone Complete Auto Care is the most popular one since it offers a one-stop solution for every motor vehicle owner. There are over 1700 storefronts across 50 states that have name brand tires, auto parts and experienced service people to take care of cars.

How can a Firestone Credit Card save your day?

Every car owner has to make tough financial decisions when the time for tire change arrives. Sometimes, accidents and unwarranted events accelerate this moment. Nonetheless, tire changes are usually not optional for the typical car owner. Stores like Firestone typically have a wide range of products from different name brands. You can find an entire range of car tires differing in quality, endurance, and prices. Buying many tires or paying for emergency car repair can be financially challenging for the average job holder in the US. Unless you have a dedicated emergency fund, you might find it difficult to pull together enough cash to pay for the services and products.  

That is where the Firestone Credit Card comes in to save the buyer. Unlike other conventional credit cards people use to pay for gas, grocery, and services, you cannot use the Firestone card anywhere other than Firestone stores. That is an excellent thing for those trying to improve their credit scores and get a grip on their finances. Firstly, Firestone offers credit services via the Credit First National Association (CFNA). It is a customer-oriented service that every Firestone customer trust and relies upon. Secondly, CFNA does not run a detailed credit check or background check of the applicant before handing out the card. There is no set Firestone credit card minimum credit score for applying and qualifying. Therefore, every applicant gets a chance to redeem their credit scores with the help of easy financing options.

Why is a Firestone Credit Card lucrative for users?

At the same time, Firestone Credit Card does not offer the users a lot of perks. It has a $0 annual fee and a $2 minimum maintenance charge. As a result, many leave it in their wallets in case of a car emergency. Since the Bridgestone and Firestone stores are plenty across the US, the Firestone Credit Card can come in handy during unpredictable car trouble. It also provides easy financing options for all users. For example – if you purchase products over $149 from the brand store and charge it to the Firestone card, CFNA gives you the opportunity to pay the total purchase amount in six monthly installments.

What should you watch out for a while using this credit card?

While using the Firestone Credit Card, one must be very careful about the late fines and interests CFNA can charge on the net purchase amount. The typical Firestone Credit Card comes with a 22.8% APR. It is an incredibly high rate for any store card or credit card in 2019. The rate can also change at any time as per the fine print by the CFNA. Additionally, your purchase amount should be at least $149 to qualify for easy financing.

Let us look at a simple example to understand the terms and conditions better – a person has charged $500 worth services and products from his one-time purchase on the Firestone Credit Card. Then he has leveraged the six-month financing option, and by the end of six months, he has managed to pay off $450. After the end of six months, the 22.8% interest rate will kick in. Unfortunately, the interest rate does not apply to the dues only. The steep interest rate applies to the entire $500. Even if he had paid $499, CFNA would have charged the 22.8% interest on the $500 after the six months were over.

That is one of the biggest complaints the Firestone Credit Cardholders have till date. The only way to save your finances from a hard blow such as this one is to be sure to complete the payments on time. Sometimes, paying late accrues penalties. Be sure to include the penalty within the monthly installment. Not clearing all your dues, including the added penalty and service charges can result in hefty payments resulting from the 22.8% interest rate application. The card users often miss paying the penalty within the six months, and that results in the activation of the 22.8% interest rate on the entire purchase amount, even when he or she has paid off the cost of products and services.

How many purchases can you charge on the card?

All Firestone customers can enjoy 0% interest upon every purchase as long as their expenses are above $149 and they clear their dues within the next six months. A person can charge multiple services and purchases on the same card. Each purchase triggers a separate billing cycle. Most of the times, two successive billing cycles overlap. If you find keeping track of your monthly payments challenging, you should speak with the Bridgestone and Firestone Credit Card executive at the CFNA for clarification. It is a great deal compared to most conventional credit cards that have a short interest-free period.

Firestone may not offer cash backs and reward points, but it does send monthly coupons and cash offers to the cardholders. Firestone Credit Card users often receive free services upon every purchase. For example – many customers report getting free tire rotations with every oil change at multiple Firestone Complete Auto Care storefronts across the country. There is no way you can let this credit card pass without a test ride. Hang onto your existing Firestone card or get a new one for smoothening out your automobile-related expenses in the future.

Published by Christina Woodard