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Frequently Asked Questions

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

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 zip code locator to find a location near you.

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 nonrefundable fee of $4.95 by calling us at 800-321-3950. Please note that you cannot process a debit or credit card payment though our automated phone system or online services.

Log in to your account to verify the details of your scheduled payments and banking information.

Available due dates we offer are as follows: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 22nd and 23rd of each month. The due date can only be changed one time within the lifetime of the account. Please call us at 800-321-3950 or email CFNACustServ@CFNA.com with your requested date.

Under certain circumstances we do offer late fee and interest waivers. Please call us at 800-321-3950 to find out if you’re eligible.

Please call us at 800-321-3950 to request a refund.

We must receive your payment for at least the Minimum Payment Due by 5 PM ET on the Payment Due Date. If we don't receive it by then, you'll be assessed a Late Payment Fee in accordance with the Terms and Conditions of the Credit Card Agreement. You can also lose the benefit of any outstanding Promotional Credit Plan if you make late payments.

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'll lose the benefits of the plan if we do not receive a Minimum Payment Due within 60 days of the Payment Due Date. You can also check out our educational video to learn what it means to finance your purchases with CFNA.

Please call Customer Service at 800-321-3950 to report your card lost. Representatives are available during the following hours:

  • Monday through Friday, 7 AM to 11 PM ET
  • Saturdays, 9 AM to 5 PM ET

Call us at 800-321-3950 to report your card lost. We can then issue you a new card with a new account number.

Log in to your account and use the online form for requesting a replacement card.

Once you register your card on CFNA.com, you can log in to your account and adjust your paperless settings.

Please double check that you have given us your correct email address under the "My Profile" tab online when you log in and 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. If you recently registered for a CFNA.com account, you will only be able to view the statements that post to your account after your registration date.

Please call us at 800-321-3950 to close your account.

Please call us at 800-321-3950 or email CFNACustServ@CFNA.com to remove an authorized user from your account.

Please call us at 800-321-3950 to add an authorized user to your account.

Log in to your account and update your profile.

All transactions are reflected on your statements.

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, please call us at 800-321-3950 or email CFNACustServ@CFNA.com.

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

We recommend you start by trying to resolve the issue with the store where you obtained the purchase or service. If you can't come to a satisfactory resolution, please call us at 800-321-3950 or log in to your account and message us the details.

We report all account activity on a monthly basis.

Yes.

CFNA does not remove inquiries from the credit bureaus. If CFNA receives a credit card application and your credit file is accessed, there is an inquiry.

For more details on working with credit bureaus, review the details in this resource on ConsumerFinance.gov

Click Forgot User Name on the CFNA.com homepage and then follow the prompts to retrieve your User Name or reset your Password.

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 ID and they can contact us for your account number.

Sign in to easily access your information and quickly address your specific cardholder needs under My Account.

Customer Service representatives are available by calling 800-321-3950 during the following hours:

  • Monday through Friday, 7 AM to 11 PM ET
  • Saturdays, 9 AM to 5 PM ET

You can also make a payment or access account information such as your balance and available credit 24/7 via our self-service function when you call our customer service number.