Cato Credit CardQuick Summary:
This Store offer is issued by Cedar Hill National Bank. This card is intended for consumers, or "personal use" with a limited or short credit history. APR's may vary among applicants, however the lowest standard APR is 22.9%*.
The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.
There is no annual fee for this card.*
This is not a rewards card.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 658 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.
The grace period listed for the Cato Credit Card is at least 28 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.
There were 4 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 25% of those applicants were approved.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 658, then your chance of approval may be even greater.
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.
- Use it at any Cato or It's Fashion store.
- No annual fee.
- No need for cash or checkbook.
- No finance charge if balance is paid in full on or before your next billing date.
- Receive exciting fashion news.
- Account Protection Plan.
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
|Avg. Annual Fee||$43.39**|
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
View rates and fees for all cards.