Call Nfm About Them Not Getting My Replacement in a Timely Fashion
Nebraska Furniture Mart Credit Menu
Overall card rating
1.eight
from Credit Karma members
Almost helpful positive review
Easy approving with bully financing terms
Credit Karma Member
I practical for this carte later on being turned downwards by Synchrony, it was really a shot in the night kinda thing. I went to the shop, applied at the cashiers and was initially approved for $1000.00 CL with Credit Karma scores of TU 572 and Equifax 592, which wasn't enough for what I was needing to buy. I left the store and the adjacent 24-hour interval I called their credit line increase phone number to inquire virtually how they practise their CLI (credit line increase). The lady apace pointed out that card members are eligible every four-6 months just that she would check. The as well asked how much credit did I have in mind for what I was looking to buy, I said that about $2,000.00 would be enough. Was put on hold for about xv seconds and she came back and said that she could raise it to $1,500.00. Actually I didn't need $2k merely it would have been nice. Now my example may non exist the standard, only I was approved. My scores are depression, but not because I accept several collections or Bankruptcies, simply because ii years agone I had a crappy job in which I wasn't making enough money. Life happened and bills grew because of emergencies with family so I fell behind on some bills and was tardily over 90 days on a machine loan and a credit menu. I have been adept ever since, going on two years now. I have several accounts in good standing and others every bit closed/never tardily. I practice accept over 10 inquiries which hurt your credit, and my utilization on the CC'southward is high as I am still trying to catch up from two years ago. Anyways, two years ago I started a new chore with more financial flexibility and that helped a lot. Information technology seems to me that Nebraska is willing to aid if your recent history doesn't wait to messed upward, their interest free financing is swell, and the diverseness and selection is plenty. From what I meet their reprensentatives are willing to help and then you may even have a expert chance of getting a reconsideration on a deprival. It's worth the try and their warranty is better than whatsoever other furniture store I know of. ~ Good luck to anyone and everyone trying to become the carte du jour.
Most helpful negative review
Deceptive Promotional Practices
Credit Karma Member
Practise not fall for the advertised forty-calendar month financing. It'due south a complete prevarication. Their billing practices make information technology pointless. See, one would presume that 40-month, no-interest financing would mean I could interruption the corporeality up into 39 payments and pay no interest. Wrong. The calculated minimum monthly payment is 4% (!) of the residue. And if yous don't pay the total minimum payment on time, y'all lose the no-interest promotion. This means that your payment on 40-calendar month financing is the aforementioned as on 24-month financing, and then it defeats the purpose. Yes, the 4% payment will decreas slowly over time, just the whole purpose of a longer financing term for consumers is to intermission out residual into more payments. This runs counter to all consumer expectations and every other promotional program I've used. This do should be considered illegal and fraudulent, as far as I'm concerned. Information technology's just a fashion to trap people into an unexpected payment and then they default and lose their promotion. Fortunately, I'thousand not in that situation, but this is disgustingly dishonest on principle.
Member ratings
All member reviews (6)
1
0
1
two
2
Payments are the worst.
Credit Karma Fellow member
Their online arrangement for payments is terrible. If your minimum payment needs to change, they don't let you know. In addition, they simply e-mail you that your statement is available and make yous go through ii systems to see what the amounts are this calendar month. If you don't run into the minimum payment, they written report y'all didn't pay to the credit bureaus before they call you. They won't even ship you any other notifications at all. My suggest is to stay away from the NFM / MART menu.
Stay abroad from this card
Credit Karma Member
I've had this card for over a twelvemonth now l. During this time I was never late with any of my payments and ever paid more than than the minimum due. I called to inquire for a credit line increase to prepare for a future purchase and they came dorsum and said nosotros are suspending your account. For someone that's been a good customer this is bad practice. Oh well ane less bill of fare to worry about even though I enjoyed shopping in that location.
Deceptive Promotional Practices
Credit Karma Member
Exercise not fall for the advertised 40-calendar month financing. Information technology's a complete prevarication. Their billing practices get in pointless. Encounter, 1 would assume that 40-month, no-interest financing would mean I could break the amount upwards into 39 payments and pay no interest. Wrong. The calculated minimum monthly payment is iv% (!) of the residuum. And if you lot don't pay the full minimum payment on time, y'all lose the no-interest promotion. This means that your payment on twoscore-calendar month financing is the same as on 24-calendar month financing, and then it defeats the purpose. Yes, the iv% payment will decreas slowly over fourth dimension, merely the whole purpose of a longer financing term for consumers is to break out balance into more payments. This runs counter to all consumer expectations and every other promotional program I've used. This practice should be considered illegal and fraudulent, equally far as I'1000 concerned. It'south just a style to trap people into an unexpected payment so they default and lose their promotion. Fortunately, I'm not in that situation, merely this is disgustingly dishonest on principle.
Super disappointed with this carte du jour
Credit Karma Fellow member
I open an account about 2 years ago. Paid down my balance never tardily. Ane mean solar day I tried to make a elementary purchase online. Perchance about 50.00. Specialty pillows etc. I get to check out and I'chiliad told they had to review my account earlier my next purchase. ???????? I wasn't belatedly I bought the extra insurance etc. My credit line was actually removed. They claimed information technology was from recent items on my credit study. I had my identity stolen and so of course there was a few items on there I can prove wasn't me. They still closed my carte du jour with no explanation due south
Good for a bit
Credit Karma Fellow member
My married man opened a Nebraska account less than a yr ago. Nosotros were happy with the financing and bought several bigger furniture pieces for our new home. The initial credit line was 6000. This month, our residuum sits at 1900, and when nosotros went online to make a buy ($50) we got a message to call the credit office. They then told us that we had to practice a review to proceed using the menu, which included a difficult pull on his credit. Which he didn't desire to exercise. She couldn't tell us why. Nosotros have made every payment on time, some of them three times the minimum payment. We have never had that happen with another menu. It is annoying plenty that we probably will but pay off the card and get rid of it. We never owed more than a quarter of the credit line. Oh well.
Like shooting fish in a barrel approval with nifty financing terms
Credit Karma Member
I practical for this carte du jour after being turned down by Synchrony, it was actually a shot in the dark kinda affair. I went to the shop, applied at the cashiers and was initially approved for $1000.00 CL with Credit Karma scores of TU 572 and Equifax 592, which wasn't enough for what I was needing to buy. I left the shop and the side by side solar day I chosen their credit line increase phone number to inquire about how they do their CLI (credit line increment). The lady speedily pointed out that carte du jour members are eligible every four-6 months but that she would bank check. The also asked how much credit did I have in mind for what I was looking to buy, I said that about $two,000.00 would be plenty. Was put on concur for well-nigh 15 seconds and she came dorsum and said that she could raise it to $1,500.00. Really I didn't need $2k but it would have been nice. Now my instance may not be the standard, but I was approved. My scores are depression, just non considering I have several collections or Bankruptcies, merely because two years ago I had a crappy task in which I wasn't making plenty money. Life happened and bills grew because of emergencies with family unit and then I barbarous behind on some bills and was tardily over xc days on a motorcar loan and a credit card. I accept been good ever since, going on two years now. I have several accounts in practiced standing and others as airtight/never late. I do have over 10 inquiries which hurt your credit, and my utilization on the CC's is high every bit I am nonetheless trying to catch upwards from two years agone. Anyways, two years agone I started a new job with more financial flexibility and that helped a lot. It seems to me that Nebraska is willing to assist if your recent history doesn't expect to messed up, their interest free financing is not bad, and the diverseness and option is plenty. From what I meet their reprensentatives are willing to help so yous may even have a skilful chance of getting a afterthought on a denial. It's worth the effort and their warranty is better than whatsoever other article of furniture store I know of. ~ Skilful luck to anyone and everyone trying to get the card.
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