Carter's Credit Card: Everything You Need to Know

Are you a frequent shopper at Carter’s or OshKosh B’gosh? If so, you may be interested in learning about Carter’s credit card. In this article, we’ll provide you with a full overview of the card, including its features, benefits, fees, and application process.

Features and Benefits of the Carter’s Credit Card

The Carter’s credit card is a store credit card that’s designed for use at Carter’s and OshKosh B’gosh retail stores and online at their respective websites. The card comes with several features and benefits, including:

Rewards: The Carter’s credit card rewards program offers cardholders 2 points for every $1 spent at Carter’s and OshKosh B’gosh stores or online. Once you accumulate 100 points, you’ll receive a $10 reward certificate that can be used toward future purchases.
Exclusive discounts: Cardholders receive exclusive discounts and coupons throughout the year. These offers are usually sent via email or mail and can be used online or in-store.
Early access to sales: Carter’s credit cardholders get early access to select sales events throughout the year, allowing them to shop before the general public.
Free shipping: Cardholders receive free standard shipping on all online orders placed with their Carter’s credit card.
Birthday discount: Cardholders receive a special discount on their birthday as a thank you for being a loyal customer.

Fees and Interest Rates

Like most credit cards, the Carter’s credit card comes with fees and interest rates. Here are the key details you need to know:

Annual fee: There’s no annual fee for Carter’s credit card.
APR: The annual percentage rate (APR) for purchases is 26.99%. This is a variable rate, which means it can go up or down based on changes in the prime rate.
Late payment fee: If you don’t make your minimum payment on time, you’ll be charged a late payment fee of up to $40.
Returned payment fee: If a payment is returned for insufficient funds, you’ll be charged a fee of up to $40.

How to Apply for the Carter’s Credit Card

If you’re interested in applying for the Carter’s credit card, you can do so online or in-store. Here’s what you’ll need to provide:

Personal information: You’ll need to provide your full name, address, phone number, and email address.
Financial information: You’ll need to provide your annual income, employment status, and monthly housing payment.
Social Security number: You’ll need to provide your Social Security number for a credit check.
Acceptance of terms and conditions: You’ll need to agree to the terms and conditions of the credit card agreement.

Once you submit your application, you’ll usually receive a decision within a few minutes. If your application gets approved, you will receive your card by mail within 7-10 business days.

Is the Carter’s Credit Card Right for You?

The Carter’s credit card can be a good option for frequent shoppers at Carter’s and OshKosh B’gosh. The rewards program and exclusive discounts can help you save money on your purchases, and early access to sales can give you a leg up on the competition. However, the high APR and late payment fees make it important to pay your balance in full each month to avoid interest charges.

If you’re considering Carter’s credit card, read the terms and conditions carefully and compare it to other credit cards to ensure that it’s the best option for your needs. ing from where we left off…

It’s also important to remember that store credit cards like Carter’s credit card usually have lower credit limits than traditional credit cards. This means you may not be able to use the card for larger purchases, such as electronics or furniture.

If you’re looking for a card with a higher credit limit and a more flexible rewards program, you may want to consider a general rewards credit card that offers cash back or travel rewards.

How to pay Carter’s credit card bill?

To pay your Carter’s credit card, you can follow these steps:

Log in to your account on the Carter’s credit card website.
Go to the “Payments” section of your credit card account.
Select the payment method you want to use, such as a bank account or debit card.
Now, enter the amount for payment and select the payment date.
Check the payment details and submit the payment.

Alternatively, you can also make a payment by phone or by mail. To make a payment by phone, call the customer service number on the back of your Carter’s credit card and follow the prompts to make a payment. To make a payment by mail, send a check or money order to the address on your monthly statement, along with your account number and payment amount.

Read more: Best Bad Credit Loans: Compare Top Lenders of 2024

How to pay Carter’s credit card bill online?

To pay your Carter’s credit card online, follow these steps:

Visit the website of the bank or financial institution that issued your Carter’s credit card. Typically, this will be either Synchrony Bank or Comenity Bank, depending on the specific Carter’s credit card you have.
Log in to your credit card account by entering your username and password. If you haven’t set up an online account yet, you may need to create one by entering your card information and other personal details.
Now, go to the “Payments” section on the dashboard of your credit card account. It can be found under the tab “Account Summary” or “Manage Account.”
Choose the option to make a payment, and enter the amount you want to pay for a credit card. You can typically choose to pay your entire balance or a specific amount.
Enter your payment information, such as your bank account or credit/debit card details, and submit your payment. You may also have the option to set up automatic payments or schedule future payments.

Once your payment is processed, you should see the updated balance reflected in your account. If you have any questions or issues with paying your Carter’s credit card online, you can contact the customer service department of your card issuer for assistance.

How to make Carter’s credit card payment?

To make a payment to your Carter’s credit card, you have several options:

Online: You can make a payment to your Carter’s credit card online by logging in to your account on the website of the bank or financial institution that issued your card. Navigate to the “Payments” section of your account dashboard, select the option to make a payment, and follow the prompts to enter your payment information.
Phone: You can also make a payment to your Carter’s credit card by phone. Call the customer service number on the back of your card, provide your payment information and follow the prompts to complete the payment process.
Mail: By mail, you can send a check or money order to the mentioned address. You need to mention your account number on the money order or bank check.
In-store: Some Carter’s stores may accept payments for Carter credit cards in person. Check if your Carter store provides this payment option.

It’s important to remember to make your payments on time to avoid late fees and damage to your credit score. If you have any questions or concerns about making a payment to your Carter’s credit card, contact the customer service department of your card issuer for assistance.

Where can I use my Carter’s credit card?

You can use your Carter’s credit card at Carter’s stores, OshKosh B’gosh stores, and on their respective websites. In addition, some Carter’s credit cards may also be accepted at other retailers that accept Mastercard or Visa, depending on the specific card you have.

To find out where you can use your Carter’s credit card, refer to the information provided with your card or check with the customer service department of your card issuer for more details.

Carter’s Credit Card Login

These are the steps for Carter Credit Card login:

Visit the official Carter’s Credit Card website.
Choose an Internet banking option.
Log in with your bank user ID and password or create login credentials.
After login, you will be redirected to a dashboard.
From the dashboard, you can manage your Carter Credit card account.

Carter’s Credit Card Phone Number

1-877-563-5767

Conclusion

The Carter’s credit card can be a good option for loyal customers of Carter’s and OshKosh B’gosh who want to save money on their purchases and have access to exclusive discounts and early sales events. However, the high APR and potential fees make it important to use the card responsibly and pay your balance in full each month.

Before applying for the card, read the terms and conditions carefully and compare it to other credit cards to ensure it’s the best option for your needs. As always, remember to use credit responsibly and only make purchases that you can afford to pay off promptly.