How to get Bob’s Furniture Credit Card Financing Option Application Process – As we all know that furniture is one of the necessary equipment that is needed to furnish our home. Everyone wants to update stylish furniture in their home to give a better look to their home and yet wants them to be affordable. But it is not possible to get stylish and qualified furniture at affordable prices. Bob understands that there are many people who want this type of furniture but are unable to afford them as they do not have money. Bob’s furniture was founded in the year 1991 in Newington Connecticut. Bob’s furniture is quite affordable but there are still people who struggle to buy them. But do not worry as Bob’s furniture has solutions for it as they offer simple credit card financing options to the customers. You might not have enough money to get furniture but don’t worry as Bob’s furniture offers a credit card system to purchase furniture. The credit card system is quite simple and also has cost-effective plans that will help you to get furniture easily. The article will be providing all the information related to Bob’s Furniture Credit Card Program and explain all the ways that can help you to get furniture when you do not have enough cash with you. So, what are you waiting for? Go ahead and check out the article.
Also Read : Get Free Furniture Grants and Assistance Programs
Highlights of this Post
Why need Bob’s Furniture Credit Card?
If you are already residing in the United States of America, you must know about Bob’s Furniture. Bob’s furniture is a very well known brand that offers qualified and stylish furniture that can make your home well decorated. The furniture brings an aesthetic look to your home with quality and stylish furniture. The best thing about Bob’s furniture is they provide three types of financing options that help the customers to buy quality furniture when they do not have enough money with them. The financing options provide a timeframe to pay the remaining amount and do not charge any interest on it. Another best thing is that to get credit from Bob, you do not need to show your past credit records whereas other stores always check on your credit history before sanctioning you a loan.
Bob’s Furniture Credit Card Financing Options
Bob’s furniture offers financial options that are very easy and simple. The financing options help customers to pay according to their availability of cash. There are different types of financial options, thus you can choose any one that is suitable for you. However, it is important for you to make a decision after going through all the available information.
30 months financial options
If you are planning for a longer credit plan for 2 years or more then you can opt for the 30 months financial option that is offered by Bob’s furniture. However, note that you need to purchase a minimum amount of $2500 to apply this plan. As you the amount is big so you will be getting a longer period to pay this amount. They offer a special annual percentage rate that is 9.99% with 30 equal monthly payments. If we calculate, it sums that you need to pay an extra 3.7984 % of the original amount and they do not charge any other cost. However, you cannot find better financing options than this as other stores charge a higher interest. If you are making payment in full then you qualify for the special APR term. However, remember that if you are new in the account, it is important for you to apply for the APR on a purchase of 28.99 %.
12 Months Special Financing
Another plan that is offered by Bob’s furniture is for 12 months. The 12 month financing option is offered on a minimum purchase of $1200. When you are willing to buy quality furniture that costs $1200 or more, you will be getting a longer period to pay the installments. You should note that they do not charge any interest rate but if you fail to pay an installment you will be charged for it. However, if you are processing with a new account the APR purchase will be 28.99 percent. If there is any interest in the billing cycle, the lowest interest that is charged is $1.00.
6 Months Special Financing Options
Another short time financing option that is provided by Bob’s furniture is of 6 months. If you are looking for short term financing options then this is the right choice for you. However you need to make a purchase of a minimum $399 to avail this offer. They do not charge any interest and a charge is only applicable if you fail to make payment in the specified time. Most of the people who have financial capability want to pay the amount in 6 months. However, remember if you have a new account the APR stands at 28.99 %. The interest rate may start from $1.00 which can be charged at the billing cycle.
Also Read : Salvation Army Free furniture vouchers – Free Furniture Voucher
Ways of Payment of BOB Credit Card Bill
Bob’s Furniture is partnered with the Wells Fargo Bank that offers the credit card program and the credit card is issued by the Wells Fargo Bank. The best thing is that there are multiple options to make credit card payment, so the customer can select his/her preferred payment mode. You can also pay using an online method or using your phone when you do not have any time to visit the bank to make payment. We will discuss the simple payment methods that can be used while purchasing furniture for them. However, in the pandemic times the cash on delivery was not possible and so the online methods were used. Scroll down and check the payment methods that can be used.
Pay by Mail
You can find Bob’s furniture credit card payment mailing address and you can use that to make a payment. As we know that Bob’s furniture is partnered with Fargo Financial Bank, P.O Box 660431, Dallas, TX75266-0431. This method is a little bit slow as it might take more than 708 business days to get the payment transferred.
Pay Online
As we all know that Online payment is one of the fastest payment modes and is also quite reliable. You can use the online payment mode for any purchases or installments. However if it comes to the credit amount, you have to follow some steps. You need to create an account that will provide you with tools to manage your account along with payments. You can also transfer the amount for credit card payment from your main bank account. It is also easy to get all the statements of the transaction easily using the account. You can go to pay online and find all the information related to it.
Pay Over Phone
Another option that is available is payment over phone. To pay over the phone you need to make a call to Bob’s Furniture credit card payment phone number that is 1-800-869-3557. If you do not have an online account then this method is recommended for you. But if you already have an online account it is better to make payment through it.
Also Read : Free Furniture Vouchers For Low-Income Families
How Can I Apply for Bob’s Furniture Credit Card
Bob’s furniture credit card application process is not at all complex as you just have to follow some simple steps. Before applying for Bob’s furniture credit card, it is important for you to know about the eligibility requirements. Most of the credit card companies check your credit history, financial status and many more things before issuing you a credit card. But you just need to have a fair credit card score to get the Bob’s Furniture Credit Card. However there is no age limit and anyone can qualify for the credit card. We have discussed the process in the steps below that will help you in getting Bob’s Furniture Credit Card.
Step 1: You need to go to the apply button
Step 2: Providing them with all your financial information
Step 3: Providing them with all your personal information
Step 4: Providing them with all your contact information
Step 5: Double check your documents and then apply for Bob’s furniture credit card
Also Read : Where To Donate Used Furniture To Charity?
Conclusion
I hope this article has provided you with all the necessary information on Bob’s Furniture Credit Card Financing Option With Application Process. If you are looking to purchase stylish and durable furniture, you have to pay a lot of money to get it. So, Bob’s furniture might be the best option available to you to get those furniture. The price of furniture at Bob’s furniture is quite low and affordable. But the best thing about Bob’s furniture is that you can get easy financing options with a credit card that will help you to buy expensive furniture. The payment system is based on monthly installments and they do not charge any interest. However, if you fail to pay the installment at the right time then you need to pay a charge against it. If you know someone who is searching for a furniture credit card then please feel free to share this article with them. Have a great day ahead!
Frequently Asked Questions
We have selected some answers to the questions that are most asked by the people related to Bob’s furniture credit card. You can go through the question and answer as you will be able to gain more information on Bob’s furniture credit card.
Do I need to pay any down payment for the credit card?
If you are planning to buy furniture using Bob’s furniture credit card, you can try out different financing options. You do not have to pay any down payment for getting the furniture. They do not have any down payment system and your credit amount will be deducted from your account on a monthly basis according to your selected financing plan.
What do you mean by a special credit card that is provided by Bob’s furniture?
Everyone plans to get furniture to furnish their homes but are unable to do it because of financial problems. However, the easy financing system that is offered under Bob’s furniture is quite helpful that allows people to get furniture on installments. The special credit card offers the customers special financial options so that they can get high quality and expensive furniture easily.
What do you mean by the revolving credit line?
You can find a revolving credit line under Bob’s credit card program. You can start with the purchase program if your account is open. You can also cover the purchase amount with credit available in your account. Once you make a purchase you will be charged a monthly amount that will be deducted from your bank account. Once you successfully pay all the installments your credit score will increase that will help you to buy more expensive things.
What to do if I have a bad credit?
You should note that bad credit is a big problem as most of the companies won’t approve you of a credit card. If you have a bad credit then you will be unable to get any credit card from the company. But there is an alternative option that No Credit Needed Payment options that will be including lease to own options.
When shall I receive my credit card in mail?
Once your application is approved you will receive Bob’s credit card within 7 to 10 days. However you can use your account immediately online or in store. You just need to know the account number that is provided to you during checkout.
How long is my account good to go?
If your account is having a $0 balance it will remain open for at least 18 months. After 18 months the account might be closed because of inactivity. Once your account is closed you cannot use the same account. You have to create a new account.
What is pre-qualification under Bob’s furniture?
Pre-qualification is one of the fastest and easiest way to know if you qualify for Bob’s furniture credit card. However, you just need to provide a few documents and you will be able to get a quick decision if you qualify for getting the credit card.
Is my personal information protected?
Yes, your personal information is protected and you do not have to worry about it as it protected under federal privacy laws.
