This article provides an in-depth overview of Credit First National Association (CFNA) credit cards, focusing on their automotive retail partnerships, key benefits, applications, and potential limitations. Perfect for vehicle owners seeking convenient financing options for auto repairs, tires, and maintenance, the guide details card features, eligibility, and important safety tips to protect your credit profile.

Guide to Credit First Auto Merchant Credit Cards

If you notice a credit report entry labeled 'CFNA,' you may wonder what it signifies. CFNA refers to Credit First National Association, a financial services provider based in Ohio that offers personal and commercial banking products. They issue approximately 40 retail-specific credit cards nationwide, primarily associated with the automotive sector. These include cards for brands like Firestone, Bridgestone, and Tires Plus stores.

CFNA specializes in auto service and tire-related credit solutions, accepted at numerous affiliated auto parts stores across the country. Applying is simple, allowing car owners to choose a card suited to their driving habits. Designed for use at specific locations, these cards are ideal for owners servicing multiple vehicles through CFNA partners. The Firestone Complete Auto Care credit card provides easy financing for repairs, maintenance, and tire replacements nationwide.

This card often features exclusive deals and seasonal discounts.

If you have a CFNA account, your name may appear on all three major credit reports marked as 'CFNA Firestone,' 'CFNA Bridgestone,' or 'CFNA Tires Plus.' Unfamiliar entries related to CFNA without your knowledge could signal fraud. Contact CFNA promptly to dispute charges or freeze your account to protect your credit profile. Here are the main features of CFNA credit cards:

Highlighted benefits include:

6-Month Promotional Financing: Making timely minimum payments and settling the balance within six months means zero interest and no late fees. Missed payments end this offer.

Request for Credit Limit Increase: After six months of positive payment history, you may ask for a higher limit. This soft inquiry does not affect your credit score.

Secure Online Account Management: Conveniently manage your account online from home, ensuring your information remains protected during registration and transactions.

Multiple Payment Methods: Options include online payments, checks, money orders, or phone payments via debit card, providing flexibility.

Wide Acceptance Network: Usable at over 1,600 auto service locations, with no annual fee and periodic discounts on tires and maintenance services.

There are also limitations:

Not functional at ATMs or outside the affiliated store network.

Some competitors offer additional perks like free oil changes.

Interest applies if payments are late or promotional offers expire.

Late payments attract fees based on the outstanding balance.

Customer feedback indicates issues with communication and terms updates.

Always read the terms thoroughly before applying. Avoid overextending credit if managing multiple cards is challenging.