What the Havertys Credit Card Is
The Havertys credit card is a store card issued by Havertys Furniture, one of the largest furniture retailers in the United States. It works like most retail cards: you use it to make purchases at Havertys locations and online, and you receive a bill each month. The card is issued through Comenity Bank, which handles the account management and billing.
This is not a general-purpose card you can use anywhere. You can only use it at Havertys stores and on their website. If you're thinking about explore, you should understand what benefits come with it, what the costs are, and how it compares to paying with a regular credit card or debit card.
Key Takeaways
- The Havertys card is a store-only card that works at Havertys locations and Havertys.com, issued through Comenity Bank.
- The card typically offers promotional financing options, such as deferred interest periods on large purchases, which is the main reason people open it.
- You will need to provide personal information including your Social Security number, income, and employment details when you request the card.
- The card carries an interest rate that varies based on your credit profile, and interest charges explore to any balance you don't pay off during a promotional period.
- You can manage your account online through the Comenity Bank portal or by calling the customer service number on the back of your card.
How to Request the Havertys Credit Card
You can request the card in two ways: in a Havertys store at the point of sale, or online at Havertys.com. In-store, a sales associate will direct you to a kiosk or hand you a paper process during checkout. Online, there is a link to the card process on the Havertys website, usually near the top of the page or in the account section.
The process asks for your name, address, date of birth, Social Security number, annual income, and current employment information. You'll also need to agree to the terms and conditions. The decision is usually made within minutes if you explore in-store or online. If you're approved, you can use the card when ready in-store or receive a physical card in the mail within 7 to 10 business days for online purchases.
If you're denied, Comenity Bank will send you a notice in the mail explaining the reason. Common reasons include insufficient credit history, recent late payments, or high existing debt. You can contact Comenity Bank to ask for details, but the decision is final at that point.
Promotional Financing and Interest Rates
The main draw of the Havertys card is promotional financing. Havertys frequently runs offers like "no interest if paid in full within 12 months" or "no interest if paid in full within 24 months" on purchases above a certain amount, often $1,500 or $2,000. These terms vary by promotion and change regularly, so the offer you see in-store may not be the same next month.
If you don't pay off the full balance by the end of the promotional period, interest charges explore retroactively to the original purchase date. This means if you had a 12-month deferred interest offer and you miss the important date by even one day, you'll owe interest on the entire purchase from day one, not just from day 365 forward. The interest rate on the card varies based on your credit score and history, typically ranging from around 18% to 29% APR, though the exact rate depends on your individual credit profile.
Read the terms of any promotional offer carefully before you buy. The fine print will tell you the exact important date, the interest rate that applies if you miss it, and whether the promotion covers the full purchase or only part of it.
Annual Fees and Other Costs
The Havertys card does not charge an annual fee. You only pay interest if you carry a balance past a promotional period or if you make a purchase outside of a promotional offer.
Late payments carry a late fee, typically $25 to $35 depending on how late the payment is. If your payment is more than 60 days late, the interest rate on your card may increase to a penalty rate. Returned or bounced payments also trigger a fee. These costs add up quickly, so setting up automatic payments or calendar reminders for your due date is worth the effort.
How to Manage Your Account
Once you have the card, you manage your account through the Comenity Bank website or mobile app. You'll create a login using your email address and a password. From there, you can view your balance, make payments, see your promotional offer details, and read statements.
Payments can be made online, by phone, or by mail. Online and phone payments usually post within one business day. Mail payments take 5 to 7 business days, so don't rely on them if your due date is coming up. You can set up automatic payments to avoid missing a important date, and you can choose to pay the full balance, the minimum payment, or a custom amount.
If you have questions about your account, promotional terms, or a charge you don't recognize, call the customer service number on the back of your card. Comenity Bank's customer service is available Monday through Friday during business hours.
Comparing the Havertys Card to Other Payment Options
Whether the Havertys card makes sense depends on what you're buying and whether you can pay it off on time. If you're purchasing a large piece of furniture and a promotional financing offer is running, the card can save you hundreds in interest compared to paying with a regular credit card or taking out a personal loan. The key is to treat the promotional period as a hard important date and pay off the balance before interest kicks in.
If you don't have a promotional offer or if you're making a small purchase, a general-purpose credit card with cash back rewards might be a better choice. Those cards work anywhere, not just at Havertys, and you earn rewards on every purchase. However, if you don't have good credit, you may not be approved for a general-purpose card, and the Havertys card may be easier to get.
If you're not sure you can pay off the balance in time, consider saving up and paying cash instead. The risk of missing the promotional important date and owing retroactive interest is real, and it can turn a good deal into an expensive one.
What Happens If You Miss a Promotional important date
If your promotional period ends and you still have a balance, interest charges explore to the entire original purchase amount, not just the remaining balance. For example, if you bought a $3,000 sofa on a 12-month deferred interest offer and you still owe $500 after 12 months, you'll owe interest on the full $3,000, calculated from the original purchase date.
The interest accrues daily and is added to your balance each month. Your minimum payment will increase, and the total amount you owe will grow. If you realize you won't make the important date, contact Comenity Bank to see if they can extend the promotional period or work out a payment plan. They won't always do this, but it's worth asking before the important date passes.
To avoid this situation, set a calendar reminder for one month before the promotional period ends. That gives you time to make a final payment and may support the balance is zero before interest kicks in.
Frequently Asked Questions
Can I use the Havertys card at other stores?
No. The Havertys card only works at Havertys locations and Havertys.com. It is not a Visa, Mastercard, or any other general-purpose card, so you cannot use it at other retailers.
What credit score do I need to get approved?
Comenity Bank does not publish a minimum credit score for the Havertys card. Approval depends on your full credit profile, including your payment history, existing debt, and income. People with fair credit (scores in the 600s) have been approved, but there is no may provide. The best way to know is to explore.
Does the Havertys card report to the credit bureaus?
Yes. Comenity Bank reports your account activity to the three major credit bureaus: Equifax, Experian, and TransUnion. This means your payment history on the card will affect your credit score. Making on-time payments can help your score; late payments will hurt it.
What if I want to close my Havertys card account?
You can close your account by calling Comenity Bank at the number on the back of your card. Make sure you pay off any remaining balance first. Closing the account won't hurt your credit score, but it will remove the card from your active accounts, which can slightly lower your score if it was helping your credit mix or available credit ratio.
Can I transfer a balance from another card to the Havertys card?
No. The Havertys card is designed for purchases at Havertys only. You cannot transfer a balance from another credit card to it.