Havertys is a well-known retailer in the furniture and home décor industry, offering a wide selection of stylish and high-quality furnishings. For loyal customers and frequent shoppers, Havertys provides a specialized credit card to make purchasing furniture easier and more manageable. This article delves into the Havertys credit card, exploring its features, benefits, application process, and more.
Understanding the Havertys Credit Card
The Havertys Credit Card is a store-branded credit card that allows customers to finance their purchases at Havertys stores and on their website. Issued by Synchrony Bank, the card is designed specifically for Havertys customers, providing tailored benefits to enhance their shopping experience.
Key Features of the Havertys Credit Card
- Special Financing Options: One of the standout features of the Havertys credit card is the special financing options available to cardholders. These promotions may include deferred interest financing for a specified period, enabling customers to pay for their purchases over time without incurring interest charges, provided they pay off the balance before the promotional period ends.
- Exclusive Offers: Havertys credit cardholders often receive exclusive promotional offers and discounts throughout the year. These can include special sales events, limited-time offers, and early access to clearance items, allowing cardholders to save more on their favorite furniture pieces.
- Rewards Program: Havertys offers a rewards program for credit cardholders, allowing them to earn points for every dollar spent. These points can be redeemed for discounts on future purchases, making it easier for loyal customers to save money over time.
- Flexible Payment Options: Cardholders can manage their accounts online, making it convenient to pay bills, check balances, and review transaction history. This flexibility allows customers to stay on top of their finances and make timely payments.
- No Annual Fee: The Havertys credit card typically does not have an annual fee, making it a cost-effective option for customers who frequently shop at Havertys.
Benefits of Using the Havertys Credit Card
1. Convenient Financing Solutions
Purchasing furniture can be a significant investment, and the Havertys credit card offers flexible financing options that can make it more manageable. With promotional financing plans, customers can spread out their payments, allowing them to enjoy their new furniture without the immediate financial burden.
2. Exclusive Discounts and Promotions
Cardholders enjoy exclusive access to sales and promotions, which can lead to substantial savings. These deals are often tailored to cardholders, providing them with the best possible pricing on their purchases.
3. Rewards for Loyalty
The rewards program incentivizes customers to choose Havertys for their furniture needs. As customers accumulate points for their purchases, they can redeem them for future discounts, fostering a sense of loyalty and encouraging repeat business.
4. Online Account Management
The ability to manage their accounts online is a significant advantage for Havertys credit cardholders. They can conveniently view their account balances, track rewards points, and make payments, providing a seamless experience.
5. Build Credit History
Using a credit card responsibly can help customers build their credit scores over time. By making timely payments and keeping balances low, cardholders can improve their creditworthiness, benefiting their financial future.
How to Apply for a Havertys Credit Card
Applying for a Havertys credit card is a straightforward process. Here are the steps to follow:
1. Check Eligibility
Before applying, customers should ensure they meet the eligibility requirements, which typically include being at least 18 years old and having a valid Social Security number.
2. Visit the Havertys Website or Store
Customers can apply for the card either online through the Havertys website or in-store. The online application is often more convenient, allowing customers to complete the process from the comfort of their homes.
3. Complete the Application Form
Applicants will need to fill out a credit card application form, providing personal information such as their name, address, income, and Social Security number. This information is necessary for the bank to assess creditworthiness.
4. Submit the Application
Once the application is completed, customers can submit it electronically if applying online, or hand it to a sales associate if applying in-store.
5. Wait for Approval
After submission, the bank will review the application and credit history. In most cases, customers receive instant approval or a decision within a few days. If approved, the customer will receive their Havertys credit card in the mail.
Important Considerations
While the Havertys credit card offers many benefits, it is essential for potential cardholders to consider several factors before applying:
1. Interest Rates
As with any credit card, the Havertys credit card will have an annual percentage rate (APR) that applies to any balances carried beyond the promotional financing period. Customers should understand these rates and the potential costs involved if they do not pay off their balance in time.
2. Promotional Periods
The special financing offers typically have promotional periods, after which standard interest rates will apply. Customers should be aware of these terms to avoid surprises and ensure they pay off their balances within the allotted time.
3. Impact on Credit Score
Applying for a new credit card can temporarily affect a customer’s credit score due to the hard inquiry made by the lender. However, responsible usage of the card can lead to improvements in the credit score over time.
4. Terms and Conditions
It’s crucial for customers to read and understand the terms and conditions associated with the Havertys credit card. This includes understanding the financing options, interest rates, fees, and the rewards program.
Customer Experiences and Reviews
Customer feedback on the Havertys credit card tends to vary, with many appreciating the convenience and financing options available. Some customers have highlighted the benefits of the rewards program and exclusive discounts as significant advantages. However, there are also mentions of dissatisfaction with customer service and the handling of promotional offers.
Positive Feedback
- Flexible Financing: Many customers value the ability to finance their furniture purchases, making it easier to afford high-quality items.
- Exclusive Offers: The regular promotions and discounts are a draw for repeat customers, with some customers noting significant savings on their purchases.
- Easy Application Process: Customers often praise the simple application process, particularly when applying online.
Negative Feedback
- Customer Service Issues: Some reviews mention difficulties in reaching customer service or resolving issues with the card.
- High Interest Rates: A few customers express concerns about the high-interest rates that can apply after the promotional periods, emphasizing the importance of paying off balances promptly.
Conclusion
The Havertys credit card offers a valuable financing solution for customers looking to purchase furniture and home décor from a reputable retailer. With flexible financing options, exclusive discounts, and a rewards program, it can significantly enhance the shopping experience for frequent Havertys shoppers.
However, it’s essential for potential cardholders to consider the terms and conditions, interest rates, and their personal financial situations before applying. By understanding the benefits and responsibilities associated with the Havertys credit card, customers can make informed decisions that align with their shopping habits and financial goals. Whether you are a new homeowner looking to furnish your space or a long-time Havertys customer, the credit card may provide the flexibility and rewards you need to create a beautiful home.
