Frequently Asked Questions

Customer Service representatives are available by calling 1-800-321-3950 during the following hours:

  • Monday through Friday, 8 AM to 9 PM ET.
  • Saturdays, 9 AM to 5 PM ET.

You can also reach us by phone 24 hours a day, seven days a week via our Interactive Voice Response (IVR) at that same phone number. With IVR you can make a payment or access account information such as your balance and available credit.

There are several possible causes. Make sure your User Name is at least six characters long. Also make sure your Password contains at least seven characters, but no more than 20 and includes at least one letter and one number. Your Password cannot contain special characters, cannot be the same as your User Name, and is case-sensitive. You also may have trouble registering if your account is past due or closed, or if your Social Security number doesn't match what we have on file.

If you've checked all of the above and are still having trouble, please contact Customer Service at 1-800-321-3950.

There are four ways you can accomplish this:

  1. Print a copy of the agreement by signing into your account and accessing the Credit Card Agreement link on the left side of the My Accounts page.
  2. Submit a request in the Contact Us link at the top of the page.
  3. Call us toll-free at 1-800-321-3950.
  4. Send your request to:

Credit First National Association

BK-11/Customer Service

P.O. Box 81315

Cleveland, OH 44181-0315

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. Please refer to the Promotional Credit Plan for more information. Check out our video to learn what it means to finance your purchases with CFNA.

You should first attempt to resolve the issue with the store where you obtained the purchase or service. If you can't come to a satisfactory resolution, please contact Customer Service at 1-800-321-3950.

  • A credit limit review is a process used to determine if a credit limit increase can be granted on an existing CFNA credit card account.
  • CFNA card holders (customers) can request a credit limit review to see if they are eligible for a credit limit increase on their existing CFNA account.
  • When a credit limit review is initiated the inquiry on the credit bureau is a soft inquiry.
  • Annual income must be provided when a credit limit review request is initiated. Annual income is used in a calculation to determine the ability to repay the debt.
  • A credit limit review should not be initiated when an account is in a current past due status. If the account is past due at the time of the review there is potential for a decrease in the current credit limit.
  • Accounts with current status have potential for the credit limit to be increased, or stay the same.
  • In the event the limit is not increased, a denial letter will be sent within ten business days.
  • A credit limit increase request will not be considered for accounts less than six months old.

CFNA.com requires: (1) access to the Internet; (2) an Internet browser which supports HTML 4.0, 128 bit SSL encryption, and JavaScript:

Platform
Windows
Windows
Macintosh
Operating System
XP
Vista, Windows 7 or 8
OS 10.x
Browsers
Firefox 31
Chrome 29 and above
Internet Explorer 9,10,11
Firefox 31
Chrome 29 and above
Safari 7
Firefox 31
Chrome 29 and above

We require legal documentation to make a name change on an account. You can send a copy of your legal documentation with a copy of your Driver's License for a name change to:

Credit First NA

P.O. Box 81355

Cleveland, OH 44181

Please keep in mind that described above are all the known resolutions to most technical problems. If none of these solve your issue, please email us by using the form on the CONTACT US tab. Be sure to select Technical Questions/Assistance from the drop down list. Please include as much information as possible such as:

  1. Exact time of the situation when you experienced this problem (time zone).
  2. IP address of your computer's system.
  3. Operating System and its version.
  4. Browser name and its version.

We must receive your payment for at least the Minimum Payment Due by 5:00 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.

We offer three ways to pay:

  1. You can pay online by signing into your account and clicking the View Payments link.
  2. You can pay by check or money order by sending your payment to:
    Credit First NA
    P.O. Box 81344
    Cleveland, OH 44188-0344
  3. You can make an electronic debit payment from your checking account by calling us toll-free at 1-800-321-3950.

Payments made any way other than these three options may be delayed.

Sign into your account and click the View Payments link, and enter the following information in the fields provided:

  1. Payment amount. This must be at least the minimum payment amount, but cannot exceed the current balance.
  2. Routing number. Your checking account routing number found on the lower left side of your checks.
  3. Checking account number.
  4. Payment date. If before 5 PM ET, this can be as soon as today, but no further into the future than six months from today's date.

To cancel a payment, sign into your account and click on the View Payments link. Under Scheduled Payments, find the payment you wish to cancel and click the Cancel button. Verify your wish to cancel by clicking Cancel Payment in the confirmation message window.

To change a payment, sign into your account and click on the View Payments link. Under Scheduled Payments, find the payment you wish to change. Click on the Edit link located to the right of the payment information. Make changes to any of the fields displayed.

NOTE: Payments can be changed or cancelled only if they have not yet been processed. You will not be given the option to change or cancel unless the payment is eligible.

Click and highlight your old bank information and delete it. Type in your new bank information. Once your payment is fully processed to your account and the information is accepted, the new bank information will remain.

If you signed up to Go Paperless, CFNA will no longer mail paper statements to you. As a registered accountholder, you can view or print the last 12 statements of your account from this site.

If you did not sign up to Go Paperless, and you're not receiving your billing statements, contact Customer Service at 1-800-321-3950.

Please note, we do not generate billing statements for accounts with a zero balance.

It may be because you don't have the most current version of Adobe Acrobat Reader. To correct this, click here to download the latest free version of Adobe Acrobat Reader.

If you still have trouble, contact Customer Service at 1-800-321-3950.

This could be due to a couple of things. First, sign into your account. Check your Paperless Settings on the Manage Paperless Settings link under the Card Services tab and also check your email address on the Personal Information page under the My Profile tab. If your email address is correct, check the spam folder settings in your email box and make sure they allow email from estatements@CFNA.com.