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Frequently Asked Questions

You can apply online or stop by your preferred location to apply in person. Check out our store locator to find a location near you that accepts CFNA.

We are unable to give the reason for denial by phone or email. You will receive an explanation letter within 30 days.

Your CFNA card is accepted at more than 8,000 locations nationwide. Check out our store locator to find a location near you that accepts CFNA.

You can make a purchase in store without your credit card present. You will need to show the store associate a valid government-issued photo ID, and they may contact us for the account number and sale approval.

Pay online by logging into your account and clicking the View Payments link.

Pay by check or money order by sending your payment to:

  • Credit First NA
    P.O. Box 81344
    Cleveland, OH 44188-0344

Pay by electronic debit from your checking account by calling us at 800.321.3950.

You can process a debit or credit card payment for a non-refundable fee of $4.95 by calling us at 800.321.3950. Please note that you cannot process a debit or credit card payment through our automated phone system or online services.

If you are interested in recurring future payments, you can pre-schedule up to six months of online payments at CFNA.com by changing the payment date for each payment you are scheduling. CFNA will provide an individual confirmation number for each payment. Please retain your confirmation numbers for your records.

Yes, although the due date can only be changed one time within the lifetime of the account. Available due dates we offer are: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 22nd and 23rd of each month. Please call us at 800.321.3950 or email CFNACustServ@CFNA.com with your requested date.

You are welcome to use the over-payment credit toward your next purchase. If you have no purchases in the next 60 days, a refund will automatically be sent to you. You may also Log in to your account and “Request a Refund” under the “Account Services” tab to have your refund processed sooner.

Minimum payments are required each month. Log in to view your due date or check out your current statement for your due date.

Payments made through CFNA.com, our automated phone system, or through a customer service representative prior to 11:59PM ET will be credited as of the same business day. Payments made through these methods after 5PM ET may not be reflected on your account for up to 1-2 business days.

Payments made by check must be received by 5PM ET at the payment address shown on your statement to be credited as of the same business day. If received after 5PM ET, the payment will be credited as of the next business day.

To avoid receiving a late payment fee, you must pay the full minimum payment amount as indicated on your statement.

Payments made through CFNA.com, our automated phone system, or through a customer service representative prior to 11:59PM ET will be credited as of the same business day. Payments made through these methods after 5PM ET may not be reflected on your account for up to 1-2 business days.

Payments made by check must be received by 5PM ET at the payment address shown on your statement to be credited as of the same business day. If received after 5PM ET, the payment will be credited as of the next business day.

Promotional information is located in the middle of the first page of your statement. The promotional due date will be shown in the second to last box. The due date will also be reflected under the Important Messages as your due date nears.

With this plan, you won't owe us Interest Charges that accumulate on Six Month Payment Purchases during the Delay Period if we receive the required Minimum Payment Due by its Payment Due Date for each Billing Cycle during the Delay Period, and the full amount of your Six Month Payment Purchases by the Six Month Payment Plan Due Date. On-time payments are important. You can also check out our educational video to learn what it means to finance your purchases with CFNA.

Call Customer Service at 800.321.3950 to report your card lost or stolen. Representatives are available during the following hours:

  • Monday-Friday 8AM – 9PM ET
  • Saturday 9AM – 5:30PM ET

There are several ways to find your account number.

  • Viewing you recent statement. Your account number will be on your statement.
  • By looking at your physical credit card, your credit number is your account number.
  • By visiting your nearest store, that accepts the CFNA credit card. Note, you will need to provide a valid government-issued ID at the store to access account information.

Create an online account for CFNA.com to set your statement preferences. Log in to your account and update your “Paperless Settings” under the “My Profile” tab.

Please Log in and confirm that you have provided your correct email address under the "My Profile" tab. Also, we suggest you verify that our email address, estatements@CFNA.com, is not being flagged as SPAM by your email service provider. If your email is flagged as undeliverable for any reason, we will automatically send you a paper statement. Note that we do not generate billing statements for accounts with a zero balance. Once you create an account online with CFNA.com you will be able to view statements from that date going forward.

Log in to your account and use the online form under the "Account Services" tab to request a replacement card.

Log in and use the online form under the “Account Services” tab to request an authorized user be removed from your account.

Log in and use the online form under the “Account Services” tab to request an authorized user be added from your account.

Log in to your account and update your profile under the "My Profile" tab.

All transactions are reflected on your electronic or paper statements. Don't see the information you need? Call us at 800.321.3950 for assistance.

We don't want to see you go. Log in to your account to learn more about your card benefits and how your card helps you take on unexpected automotive repair and service costs.

If you choose to close your account call us at 800.321.3950 to close your account.

Yes. Log in to CFNA.com to view your online account.

It takes about 7-10 business days from your application date for your card to arrive. If it’s been longer than 10 business days, call us at 800.321.3950 or email CFNACustServ@CFNA.com.

Your credit limit is displayed on your statement or you can Log in to your account to retrieve this information.

If you think there is an error on your statement, please keep in mind that all disputes must be made within 60 days after the error appeared on your statement. If you want to stop payment on the amount you think is incorrect, you must contact us at least 3 business days before an automated payment is scheduled.

If your dispute falls within those parameters, we ask that you please notify us of the dispute. You can Log in to your account and use the online form under the "Account Services" tab to submit a dispute. Or write to us at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, OH 44181-0315. In order for us to best serve you, please ensure you include the following information in your letter:

  • Your name and account number.
  • The dollar amount of the suspected error.
  • A description of what you believe is incorrect and why.

Again, in order to investigate your dispute, we are required to receive the dispute notification in writing.

We report all account activity on a monthly basis.

Yes.

If CFNA receives a credit card application and your credit file is accessed, regulation requires an inquiry be placed on the file. CFNA does not remove inquiries from the credit bureaus.

If you've reviewed your credit report thoroughly and believe it contains an error concerning CFNA, gather any documentation that explains the error and/or situation and write to us at PO Box 81315, Cleveland, OH 44181. There are no quick fixes when it comes to credit bureau reporting, but we have options available to help you avoid negative marks on your credit report.

To retrieve your User Name, click the Forgot User Name link and follow the prompts. To retrieve your password, enter your User Name and click the Forgot Password link and follow the prompts.

Our company policy prevents us from sharing an account number by email, telephone, or fax. This policy is to protect the personal and financial information of our accountholders.

If you do not have your credit card, you may visit your local store with a valid government-issued ID and they can contact us for your account number.

Customer Service representatives are available by calling 800.321.3950 or email CFNACustServ@CFNA.com during the following hours:

  • Monday-Friday 8AM – 9PM ET
  • Saturday 9AM – 5:30PM ET