Welcomes you to the Instant Credit application process.
Homemakers Furniture is part of the NFM family.
You will be applying for a NFM credit card.
To apply, follow these steps:
- Read the Revolving Charge Agreement.
- Read the Billing Rights Summary.
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Fill out the Application on the following pages.
When applying jointly, both applicants must be present. - Submit your application: credit inquiries will be made for applicant(s).
You may use your card at all Homemakers Furniture and NFM stores.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
18% |
| How to Avoid Paying Interest |
Your payment due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov. | Penalty Fees |
| Late Payment | Up to $25. The actual fee varies by state. See the applicable fee in paragraph 18 of the account agreement for the fee applicable to your account. |
| Returned Payment | Up to $30. The actual fee varies by state. See the applicable fee in paragraph 19 of the account agreement for the fee applicable to your account. |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided with the account opening disclosures.
Security Interest: To the extent allowed by applicable law, a purchase money security interest will be taken in merchandise purchased under the account.
Notice to consumer: Do not sign this agreement before you read it. You are entitled to a copy of this agreement. You may prepay the unpaid balance at any time without penalty.
