Support for Customers

Identity verification upon application

To protect you against identity theft and fraudulent activity, additional verification of your identity during the credit card application process may be requested.

Paperless statements

Subscribing to paperless statements helps protect financial statements from inappropriate access and tampering. To go paperless with CFNA, log in, select the Profile icon, select Account Management and select Paperless Settings.

Secure connection

CFNA uses 256-bit encryption to ensure data is protected with the highest level of security. This helps to protect information as it travels over the internet between your device and CFNA.com. Check your browser address bar to confirm there is a secure connection to our website designated with a lock icon.

High security standards

CFNA.com is regularly scanned for vulnerabilities and malwares. You can access the latest report by clicking on the Norton Seal located within the website footer.

Multi-step authentication

Two layers of identity verification are performed before logging into CFNA.com. Additionally, an unrecognized device triggers a security question before a login can occur.

Last sign in date verification

Your last account login is displayed above your credit card within your online account. Use this information to determine last account access history.

Session timeouts

Your CFNA.com session will expire after 15 minutes of inactivity.

Protected credentials

Your credentials are stored using strong hashing algorithm in a secure environment.

Limited failed login attempts

CFNA online accounts are locked when there are up to five invalid login attempts in a span of 24 hours.

Masked sensitive information

Account numbers are partially masked using asterisks to help protect personal information.

If you suspect fraudulent activity on your account or another person has improperly obtained access to your CFNA account, please call us at 800.321.3950 or send an email to CFNACustServ@CFNA.com.

CFNA may send emails to cardholders focusing on services to support their account or promotional offers permitted by the credit card agreement. CFNA will not send you an email to ask you to reset your login credentials or supply account information through an email.

Log in to CFNA.com to manage your account.

Additional resources:

How to respond to a data breach

What to do if your banking credentials are compromised

How to protect yourself from common online threats

Create and manage your online credit card account

Creating an online account allows you to quickly monitor and manage your account 24/7.

Go paperless

Paperless banking is safer because your account is protected by a password and safety questions while avoiding potential lost or stolen paper statements. To go paperless with CFNA, log in, select the Profile icon, Account Settings and Paperless Settings option.

Keep personal information up to date

Protect your identity and ensure your address, phone number, and email address are kept current with CFNA.

Protect your device and computer

Invest in anti-virus and firewall software to protect your personal devices.

Log out of secure websites

Log out of CFNA.com. Be sure to close your browser when you are finished with online banking.

We report all account activity on a monthly basis.

Yes.

If CFNA receives a credit card application and your credit file is accessed, federal regulations require an inquiry be placed on your credit file. CFNA does not remove inquiries from credit reporting.

If you believe we have reported inaccurate information about you to a credit reporting agency, please notify us in writing at CFNA, PO Box 81315, Cleveland, OH 44181-0315. Please identify the inaccurate information, tell us why you believe it is incorrect, and provide supporting documentation of the inaccurate information, such as, a copy of the credit report that includes the inaccurate information or bank statement evidencing the payment was deducted from your account. We may report information about your account to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

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.

Once you have created your online account with CFNA, you can view and download up to 13 months of your billing statements. Statements are posted online 3-5 days after your statement cycle date. If you've chosen to go paperless, you'll receive an email reminder when your statement is available online.

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

Please Log in and confirm that you have provided your correct email address under the Profile icon and Personal Information. 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 and use the online form under the “Card Services” button to request an authorized user be removed from your account.

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

Log in to your account and update your Personal Information under the Profile icon.

All transactions are reflected on your electronic or paper statements. Don't see the information you need? Call the Customer Service number on the back of your credit card for assistance.

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 “Card Services” button to submit a dispute. Or write to us at CFNA, BK-11/Customer Service, PO 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 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 the Customer Service number on the back of your credit card.

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

Log in here.

Logging in requires three steps.

1. Enter your User Name and click Log In.
2. Confirm your Log In Key image and phrase to ensure you are on the authentic CFNA.com site.
3. Enter your Password and click Log In. Do not enter your Password if you do not recognize your Log in Key, and please contact us immediately.

If you have not selected your CFNA Log In Key, you will be prompted to do so before you can access your account. Also, if you log In from an unrecognized device, you will be asked to answer a security question before you can continue logging in.

The CFNA Log In Key is an extra layer of identity verification before you can access your CFNA.com account. When you see your CFNA Log In Key, you know you are on CFNA's authentic website and not a fraudulent website. If you log in from an unrecognized device, you will be asked to answer a security question before you can continue logging in.

Configuring your security settings for the first time

The first time you log in to CFNA.com, you will be asked to configure your security settings by:

1. Selecting an image.
2. Creating a personal phrase.
3. Selecting three questions and entering the answers.

CFNA will never send you an email to ask you to set or configure your settings or change your configuration. Every time you log in to CFNA.com moving forward, we display your Log In Key.

To retrieve your User Name, click the Forgot User Name link on the Log In page 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.

You can Log in to your account to retrieve this information or check your statement.

Remember to bring your CFNA Credit Card when you are ready to make a purchase at a participating automotive retailer.

However, participating automotive retail locations can also connect your tire and service in-store purchase with your CFNA account. You will need to show the store associate a valid government-issued photo ID to process your transaction.

Log in to your account and use the online form under the “Card Services” button to request a replacement card.

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

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

You can apply online or stop by your preferred participating automotive retail location to apply in person. If you are an existing cardholder, log in to find a location near you that accepts the CFNA card.

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

Choose the following methods to pay your CFNA bill:

1. Pay online by logging into your account and clicking the Payments button.
2. Pay by electronic bill pay through your bank using your newest and complete account number.
3. Sending a check or money order to:

   Credit First N.A.

   PO Box 81344

   Cleveland, OH 44188-0344

4. Pay by electronic debit from your checking account by calling us at the Customer Service number on the back of your credit card.
5. Pay by debit card for a non-refundable payment processor service fee of $4.95 by calling us at the Customer Service number on the back of your credit card. Debit card payments cannot be processed through the 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.

Available due dates we offer are: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 22nd and 23rd of each month. Please call us at the Customer Service number on the back of your credit card or email CFNACustServ@CFNA.com for eligibility.

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 “Card Services” button 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.

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 credit 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.

We sent you a new credit card to ensure that you have the most up-to-date card for the best auto and tire care available.

Your CFNA account number may have changed; however, your balance and online account will transfer to the new account number.

Please safely dispose of your old card and begin using your new card to enjoy the same benefits on tires, maintenance, and repairs.

Your balance has not changed. Your new card will carry the same balance, account number, and online account as your old card.

If you have already created an online account for your old credit card on CFNA.com, you will use this existing account to manage your new credit card. Keep in mind, however, that the new card may be displayed when you Log in to your account.

If you do not have an account on CFNA.com, please create your online account now. Once created, you can view statements, make payments, and much more.

You may begin using your account immediately by presenting your card and government-issued photo ID when you make a purchase at a participating automotive retailer. Log in to find a location near you.

Your most recent billing statement may still reflect your old card design. We are working to update statement branding. Your statement will reflect your new card design soon.

If your CFNA Credit Card is 16 digits, you will need to activate your credit card to start using it. CFNA 9-digit credit cards do not require activation.