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Petite Sophisticate Credit CardQuick Summary:
This is a Store rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by Spirit of America National Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 23.90%.APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 23.90% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 13.4% to the U.S. prime rate. Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO score of at least 620 is recommended for a higher chance of approval for the Petite Sophisticate Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Petite Sophisticate Credit Card is at least 25 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". 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. Approval Rate:
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. If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 620, then your chance of approval may be greater than other applicants. Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details: Enjoy fashion from a petite point of view.
- Be the first to see our new collections
- Get the scoop on in-store sale events
Receive exclusive rewards.
- 15% off upon approval
- $30 Real Fit Rewards
- Double Points when you receive your credit card in the mail
- More Double Point Events throughout the year
- Birthday Bonus Points with purchase
Access your account online anytime.
- Check your balance
- View your current billing statement
*Please view and verify the card offer's terms and conditions
regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 23.90% | | Avg. APR** | 12.22% | | Annual Fee | $0 | | Avg. Annual Fee** | $8.01 | |
** 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.
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