Harbor Freight Credit Card Review

Harbor Freight Credit Card: Yes, Harbor Freight offers a store credit card for its users. If you want to take Harbor Freight Credit Card, then in this article, we are going to discuss all the things related to Harbor Freight Credit Card.

Purchase APR  (Variable APR)29.99%
Grace Period23 days
Max Late Fee$41
Max Overlimit Fee$0
Balance Transfer APR  (Variable APR)N/A
Credit Score RangeN/A
Annual FeeN/A

Overview of Harbour Freight Credit Card

  • 0% APR on new purchases: You will get 0% APR on new purchases for up to 6 months.
  • High APRs: If you are a person who carries a balance, then this credit card is not for you. In this case, you must pay a higher APR on your new purchases.

Pros And Cons of Habor Freight Credit Card

Pros

  • Get 0% APR on new purchases for the first 6 months on the credit card.
  • After 6 months, a variable APR of 29.99% APR will be charged.

Cons

  • APR is higher than the average card’s APR.
  • There is no welcome bonus.
  • No rewards and cashback system.
  • You will get rewards on specific purchases.
  • The card issuer does not report to credit bureaus.
  • The card only offers some of the credit card benefits.

How can I pay the bills on my Harbor Freight Credit Card?

You can easily pay your Harbor Freight Credit Card bills online, by Phone, and by mail. You are not allowed to pay in Harbor Freight Credit Card in-store. 

Here are the 3 simple ways to pay the Harbor Freight Credit Card:

  • Online: You can pay the bill online; you need to log into your account and complete the payment.
  • Phone: You can also pay your Harbor Credit Card over the Phone; you need to call customer care service at (855) 341-3108
  • Mail: You can pay your credit card via mail; for this, you need to send a check or money order to the following address:
  • Harbor Freight Tools Credit Card
  • PO Box 960012
  • Orlando, FL 32896-0012

If you are making the card payment via mail, send the check at least 5-7 days before the due date.

Check this also: Cardis Credit Card Review – $0 Annual Fee

What is the cashback and reward system in Harbor Freight Credit Card?

At this point, the card disappoints you; there is no cash back and reward program.

What is the APR charged by the Harbor Freight Credit Card?

As per the Federal Reserve Board, the average regular APR is 15% for all general credit cards, and for balance cards, the APR will be 17%. Compared to Federal Reserve Boards data, the APR of the Harbor Freight Card is high; this card has a variable APR of 29.99%.

What is the intro APR offer on balance transfer by the Harbor Freight Credit Card?

The Harbor Freight Credit Card does not offer any intro offer.

Is there any new intro offer on purchases by Harbor Freight Credit Card?

The Harbor Freight Credit Card comes with a 0% introductory rate. And the purchase intro APR period is for 6 months. This credit card offers 0% APR on some qualified purchases for up to 6 months.

What is the annual fee of the Harbor Freight Credit Card?

The Harbor card has $0 annual fees, and the late payment fee is $41.

What is the customer care number of Harbor Freight Credit Card?

The customer care number of Harbor Freight Credit Card is (800) 444-3353.

What is the official email of Harbor Freight Credit Card?

The official email of Harbor Freight Credit Card is cs@harborfreight.com

What is the official website of Harbor Freight Credit Card?

Here is the official website of Harbor Freight Credit: https://www.harborfreight.com

How to apply for Harbor Freight Credit Card?

Go to the official website of Harbor Freight and find the credit card section.
Then click the online application button, and the form will open.
You have to fill in the basic details and click the submit button.
You will get a response from the credit card via email.

What is the due date of the Harbor Freight Credit Card?

The due date of the Harbor Freight Credit Card is at least 23 days from the account opening date. If you want to know the exact due date, then you have to check your monthly statement. The monthly statement includes all the required information and additional details, like the minimum due amount and other things.

If you want to change your credit card’s due date, you can request to change the due date. For this, call customer service at (855) 341-3108. You can ask all the queries related to your credit card. After changing the due date, you’ll have to wait for 12 months before you can change it again.

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