Cato Credit Card

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  • 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Limited Credit, Poor Credit Personal $0* N/A* N/A* 22.9%* None

Quick 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%* Fixed.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. 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 680 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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Cedar Hill National Bank product.

Other Basics:
The grace period listed for the Cato Credit Card is at least 28 days*. So interest charges will not be applied for new purchases during this time.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 6 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. 33% 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 680, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 0% of 1 user recommend this card.

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