Are you wondering if the Tractor Supply Credit Card is the right card for you? The Tractor Supply Credit Card is a store credit card issued by Citibank. This article dives into everything you need to know to help you make good choices. See details!
Tractor Supply Credit Card Payment Overview
The Tractor Supply Credit Card is a store credit card offered by Citibank. Tractor Supply Company is also an American retail chain that offers products for home improvement, agriculture, lawn and garden maintenance. as well as caring for livestock, horses, and pets.
Pros and Cons of the Tractor Supply Credit Card
strength
- No annual fee
- Special financing options are available.
- There is no annual fee.
- Tractor Supply Company credit cards are reported to several credit bureaus.
weakness
- No sign up bonus
- It does not provide rewards or refunds.
- You don’t earn rewards for every purchase.
- Does not include any credit card rewards.
fee
The Tractor Supply Credit Card Account Agreement includes the following fees:
Transaction fees for cash advances
If you use checks conveniently Receive money from an ATM or through Home Banking. or a financial institution using the card you used to get a cash advance
You can also make a cash advance if you transfer money, purchase money orders, traveler’s checks, lottery tickets, casino chips, or similar items. or engage in similar transactions.
For each cash advance You will be charged a transaction fee of 5% of the cash advance amount. but not less than 10 dollars
Late fees
A late fee will be added to each item. Billing cycle which you have made past payments The fee will be $25 or $35 for any additional past payments. During the next six billing cycles after the last payment
In other words If you are several months late Your late fee will increase to $35 per month. Until you have made payments on time for six months or more.
Reimbursement Fee
A reimbursement fee will be added for reimbursement. A returned payment is a payment check or electronic debit that is returned unpaid.
Citibank may add this fee even if your payment is resent and it will not be returned once resent.
The fee is $25; or $35 for each additional returned payment during the same or the next six billing cycles after the returned payment.
Convenient cash back check fee
Cashback convenience checks are cash convenience checks that are not accepted by Citibank.
Citibank will charge you a fee for such checks. and may not accept these checks. If the amount of the check would cause the balance to exceed your cash advance or credit limit,
Citibank may not accept these checks if you are in default. If you do not follow the instructions on the check If your account is closed or for other reasons
The fee charged will be $25 or $35 for cash convenience checks returned during the same or subsequent billing cycle after the cash convenience check is returned.
This fee will be added to your regular cash advance amount. Not your normal credit balance In other words, this fee becomes part of the balance with the higher cash advance interest rate.
Stop paying convenience check fees with cash.
Citibank will add a $39 fee if they comply with your request to stop payments by cash convenience check. This fee will be added to your regular cash advance amount. Not your normal credit balance
In other words, this fee will also be part of the balance with a higher cash advance interest rate.
Tractor Supply Credit Card Payment Process
To pay with a Tractor Supply credit card There is more than one process. Here are some of them below.
- online: Log into your account to pay.
- By mail: Send your payment to the following address: Tractor Supply Credit Card, PO Box 9001006, Louisville, KY 40290-1006 (if it is a business card account Use this address: Tractor Acquisition Loan Plan
Payments, PO Box 78004, Phoenix, AZ 85062-8004 - By phone: The Tractor Supply/Citi Credit Card customer service phone number for payments is 800-263-0691 (business cardholders call 800-559-8232)
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Steps for applying for a Tractor Supply credit card
If you do not have a card from this company You are now welcome to apply. The process is quite simple and hassle-free. You can follow the given steps:
- Visit the official website at www.tractorsupply.com
- Tap on “Apply for Personal Card” and you will be taken to a new page.
- Fill in the details asked.
- Finally, tap on “Check terms and conditions”
The Tractor Supply Credit Card is a great option for those looking for a low maintenance card.
It offers benefits like a credit card. But you don’t have to pay. Annual fee for special privileges You have a good chance of qualifying if your credit score is at least 650.
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