Cato Credit Card

Cato Credit Card is serviced by the Hill National Bank. One can apply online at the website of the Cato Fashion. For approval, you need to have a fair credit score. Once you get the credit card in the mail, you can easily finance your fashion purchases at the Cato Stores. Use the credit card for shopping in-store or online.

Cato Credit Card List

Cato Credit Card

Use it at any Cato or It's Fashion store. No annual fee. No need for cash or checkbook. No finance charge if balance is paid in full on or before your next billing date. Receive exciting fashion news.

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Cato Credit Card is serviced by the Hill National Bank. One can apply online at the website of the Cato Fashion. For approval, you need to have a fair credit score. Once you get the credit card in the mail, you can easily finance your fashion purchases at the Cato Stores. Use the credit card for shopping in-store or online.

Cato Credit Card Basics

Let’s discuss Cato before we will enlighten you more on the Cato credit card.

The Cato Corporation, a leading specialty retailer of value-priced women’s fashion apparel with corporate offices located in Charlotte, North Carolina, operates three concepts: Cato, It’s Fashion and Versona. This company offers their customers the latest styles in fashion for any occasion. It has over 1,300 stores throughout the United States and a diverse workforce of over 10,000 associates. The Company’s stock is traded on the NYSE under the symbol “CATO”.

Unlike other stores, Cato only offers one credit card option. The credit card they offer does not come with any type of rewards system in place and offers no special financing options. Penalty fees included with the Cato credit card include late payment fees of up to $20 and returned payment fees of up to $25. The grace period listed for the Cato Credit Card is at least 28 days*. So interest charges will not be applied for new purchases during this time. This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

The application is very simple and easy. All you have to do is to fill a short online form and submit it. You will be given a Short guide on how to apply for the credit card without going through a lot of processes.

Why to Apply for Cato Credit Card?

The Cato store credit card doesn’t offer much in terms of unique benefits. This card will provide Cato shoppers with the most basic features and benefits that a store card can come with. Some of these features include paperless billing and directly receiving fashion news updates from Cato. One of the benefits listed under card is “no finance charge if balance is paid in full before your next billing date.” This is not a very special benefit, since most credit cards will offer the same thing.

1. This card access your account balance, available credit, payment information or make a payment by phone.

2. The 20% discount is really handy.

3. No finance charge if the balance is paid in full on or before your next billing date.

4. No annual fee is charged.

5. Regular APR rate is 22.9% and no interest will be charged for new purchases.

Who is Cato Credit Card Good For?

This credit card is serviced to their frequent shoppers, mainly for the advantage of fashion and accessories lovers. It is also designed for general usages and for customers with low credit history. The Credit Card comes with no annual fee charges. Users of the card don’t pay for interest rate charges too. The Cato credit card can be used for shopping both in-store and online for purchases of dresses and fashion accessories.

Drawbacks of Cato Credit Card

A big problem with having the Cato credit card is that it is not affiliated with any major payment network. Due to this, the card can only be used to make purchases from Cato. On top of including a limited number of features, this card can only be used in a very limited number of places. In addition to all of this, this card comes with an APR off 22.99%. In addition, schedules are constantly changed and you get no call or text.

Should You Get the Cato Credit Card?

For all lovers of fashion and accessories this is a credit card worth having. Cato credit is intend for general usages and for customers with low credit history.

If the credit card offered by Cato doesn’t seem very appealing, or you simply don’t enjoy shopping at Cato, one of these other cards might be a better option.

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Cato Credit Card Tips

  1. If you want to know your Cato Credit Card payment details, like your credit card balance. Please contact the Cato Credit Card customer service or get a Cato Credit Card application.
  2. In order to manage your Cato Credit Card payment online, you need to log in to the Cato Credit Card official website.
  3. About Cato Credit Card login and how to apply for a Cato Credit Card, you need to go to the official website.
  4. Getting a Cato Credit Card application will be a lot of convenience, contact the Cato Credit Card customer service or go to the Cato Credit Card official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Cato Credit Card phone numbers is correct, there will be text alerts.

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