UPDATED February 8, 2018 – Nearly 40% of all American households are in debt. Of course, just because many Americans have debt, it doesn’t mean that everyone who uses a credit card can’t afford to make their payments. In fact, many households keep their CC balances significantly under their limit.
For many people, CC’s are a real means to remain financially afloat despite their wages remaining stagnant for years. One that people choose to rely on is the Stein Mart credit card. Stein Mart, a retail giant, sells household goods and clothing.
Based in Jacksonville, Florida, the retail chain offers consumers two CC’s: a store-branded option that can only be used at their store and a store-branded CC issued by MasterCard.
Advantages of a Stein Mart Credit Card Login
Beyond the fact that CC’s allow people to make necessary purchases when they have a financial emergency or when they are short on cash, there are other benefits to using CC’s.
You get free shipping on orders over $75. With many people shopping online, free shipping is a welcome benefit of having their account. Free shipping allows people to avoid the hassle of traffic and the headache often associated with long lines in-store.
You get discounts and notifications of promotions early. Another benefit of having this account is the ability to save money on purchases. The company sends early notifications of promotions to cardholders. They also give their credit cardholders an additional discount their birthday month. Beyond that, the company offers other promotions and discounts, at least ten times each year.
If you have this CC, then you receive preferred customer treatment. Preferred customers get members-only shopping days and email announcements.
Although the Stein Mart credit card comes with many benefits, there are some disadvantages to ownership. The best way to determine the retail option that will work for you begins by learning about all aspects of the card, even those that are not so great.
The interest rate is high. This company’s CC bears a higher interest rate than many others. If you choose to apply and are approved, you may be charged 26.24% for your purchases and 28.99% on cash advances.
There are a lot of fees. In addition to the interest rate, they have a foreign transaction fee, a fee for a cash advance, and late penalty fees.
Some people may not qualify. Like any other credit account, getting approved depends on your past credit history. Typically, individuals with favorable credit histories will likely qualify.
Managing Stein Mart Credit Card Login Online
If you are like many people who welcome the digital age, then you like to manage your financial accounts online. Fortunately, this company gives you the ability to manage your account online, including making your payments online. To access the site, visit their website and enter your Stein Mart credit card login information. Of course, if you haven’t applied yet, you will need to apply at SteinMartCredit.com.
This is an attractive option for people who want a CC they can use everywhere. Backed by MasterCard, it allows people to purchase goods wherever MasterCard is accepted. If you decide to get the card, you can easily manage your account by visiting their website.
If you are ready to apply, you can do so online or by speaking with customer service representative. The toll-free number is 1-866-864-2149.