FAQ: What Credit Bureau Does Tractor Supply Pull From?

Tractor Supply Credit Card: Think Twice Before You Click “Apply”

While Tractor Supply’s store-brand credit card may save you money in some situations, there are better options available from other credit card issuers if you’re looking for a credit card with a robust cash-back or rewards program. Many large retailers have store-branded credit cards.

Tractor Supply Credit Card – Everything You Need to Know

With over 1,700 retail locations nationwide, Tractor Supply has established itself as a major player in the home improvement industry. The store sells a variety of high-ticket items, such as lawn mowers and furnaces, so spending a few thousand dollars at Tractor Supply isn’t out of the question.

What You Need to Know Before You Apply for the Tractor Supply Credit Card

The Tractor Supply Personal Credit Card offers a variety of money-saving promotions, including no interest on balances of $199 or more if paid in full within 6 months, and an annual percentage rate of just over 28% as of late 2018.

Is it a Good Idea to Use the Tractor Supply Credit Card as a Loan Card?

There are other cards that offer zero percent interest rates for 12-15 months and are often better value for money than the Tractor Supply Personal Credit Card, which has a 3.99% interest rate compared to personal loans’ 7.89% APR. These cards give you more flexibility and are often better value for money.

Which Credit Cards Do a Better Job Than the Tractor Supply Credit Card

The Capital One Quicksilver Cash Rewards Card offers 1.5% cash back on all purchases and a $150 cash bonus if you spend $500 in the first three months. This card is especially useful for spending at supermarkets and on gasoline. The Citi Double Cash Card offers 2% cash back on all purchases. The HSBC Gold Mastercard Credit Card offers a 0% APR on purchases.

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Where can I use my Tractor Supply Credit Card?

The Tractor Supply Credit Card offers a 5% discount on purchases over $1,599. Depending on the purchase amount, this discount can amount to hundreds of dollars in savings. There are over 1,700 Tractor Supply stores across the country, with locations in 14 states.

How Long Does it Take to Get a Tractor Supply Credit Card?

You can apply for the Tractor Supply Personal Credit Card online, and once approved, you should receive your card in the mail within a few weeks, just like any other credit card.

How to Get Cash From a Tractor Supply Credit Card

Cash advances are when you use a credit card’s credit limit to get cash; the payback interest rate on a cash advance can be very high; over 20% in some cases; the interest rate charged on the card is disclosed in the credit card agreement.

How to Close my Tractor Supply Credit Card

Closing a credit card, even if it has no balance, reduces your total available credit limit across all of your credit cards, which can result in a higher utilization ratio, which is not good for your credit scores.

Bottom Line: Should You Get the Tractor Supply Credit Card?

The Tractor Supply Credit Card can be a money-saving tool for frequent shoppers, but there are other credit cards that offer better interest rate promotions and cash back offers, so you might be better off using your current credit card if you’re about to make a large purchase.

What credit score do you need for Tractor Supply?

If you have fair credit (or above), the Tractor Supply Credit Card is a great option. Their APR is quite high (above 20%), so we recommend a credit score of at least 630. If you’re not sure what your credit score is, apply for a report here.

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Can I use Tractor Supply credit card anywhere?

The Tractor Supply Credit Card is best for those who shop frequently at Tractor Supply locations, which number over 1,700 nationwide, and offers a 5% discount on purchases over $1,599.

What credit bureau does Continental Finance pull from?

Continental Finance, the card’s servicer, reports your account activity to all three credit bureaus (Experian, TransUnion, and Equifax), ensuring that your on-time payments are noted. This is a fairly standard feature, and most major credit cards do so.

What credit bureau does Jasper pull from?

Jasper’s mission is to assist professionals relocating to the United States in establishing a credit history by sending reports on your spending, payments, and usage to the credit bureaus Equifax and TransUnion.

What credit score do you need for Lowes card?

Because the Lowe’s Advantage Card is a retail card, it may be easier to qualify for than a traditional credit card; however, a good-to-excellent credit score of at least 670 will give you the best chances of qualifying.

How hard is it to get a TSC credit card?

To be approved for the Tractor Supply Companyu00ae Credit Card, you must have a minimum credit score of 640, which means you must have fair credit or better.

What credit score is needed for a lawnmower?

Monthly net income of $1300 or more. Checking account where income is deposited for at least 1 month. Credit score of 550 or higher.

Does Tractor Supply do cash back at register?

Tractor Supply makes shopping and returning simple. Most online purchases can be completed online, or you can return to the store if it’s more convenient for you. For store purchases, the cash register receipt serves as proof of purchase for items purchased at your local Tractor Supply store.

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What bank is surge credit card?

The Celtic Bank Surge Mastercardu00ae Credit Card, which is serviced by Continental Finance, is an unsecured credit card for people with bad or no credit.

What credit cards do Continental Finance have?

Continental Finance offers the following credit cards.

  • Surge Mastercardu00ae Credit Card. 778 Reviews. 778 Apply Now. One-Time FeesNone.
  • Fit Mastercardu00ae Credit Card. 434 Reviews. 434 Apply Now. One-Time Fees$89.
  • Reflex Mastercardu00ae Credit Card. 413 Reviews. 413 Apply Now.
  • Cerulean Credit Card. 2 Reviews. One-Time FeesNone.
  • Reflex Mastercardu00ae Credit Card. 413 Reviews. 413 Apply Now.

Is surge a real credit card?

The Surge Mastercardu00ae Credit Card is a legitimate credit card for people with bad credit that reports monthly to the three major credit bureaus, allowing cardholders to build credit by paying on time and only using a portion of their credit limit.

What credit score do I need for a Jasper credit card?

The Jasper Credit Card requires a fair credit score, as well as information on your income, current employment, and any debt you may have.

Is Jasper credit card a hard inquiry?

The card’s focus shifted to general “new-to-credit” workers, not just U.S. newcomers, in mid-2020; however, the card’s underwriting shifted in summer 2021, requiring both a Social Security number and a traditional hard credit inquiry. For more updated information, see our full review of the Jasper Mastercardu00ae.

Is Jasper a real credit card?

If you have fair credit, the Jasper Mastercardu00ae is a good option; however, if you prefer a slightly higher rewards rate, you may be able to find it on other credit cards, even if you have a less-than-perfect credit score.

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