I would rather have this card due to the financing for all new gear as I am a musician and love Guitar Center. Your account will give you access to daily updates to your credit score and full credit report as well as 24/7 credit monitoring. If your Guitar Center Credit Card application was denied, there could be a few possible explanations: You could ask for a reconsideration by calling 1-866-226-5638 and making your case, but it’s not guaranteed you will be granted one. For that reason, I think it would be smarter to open a regular credit card like the Discover It card which offers a 0% introductory rate and decent rewards thereafter. Submit your question about Guitar Center Credit Card to our community. You cannot use your Guitar Center Credit Card anywhere. I have held cards for other stores such as H. H. Gregg, Kohls, etc. This card has gotten me out of several jams and allowed me to get some great deals on some great gear. More Ways To Pay. Subsequent installments will be charged to your payment card at monthly intervals for the duration of your payment … Check out the offers available from our music retail partners. The regular interest rate is 14.9% and my introductory rate of 0% only lasted for 12 months. At Synchrony, it’s our job not only to help our customers every day – but also when disasters like these strike. They should outline it clearly so you can see what you are getting into honestly. If you need assistance, please contact us. I used a similar offer with Sweetwater Sound, but they only allowed 6 months at 0 APR. Anyone who has ever bought a guitar center knows that they are not just offering guitars! Guitar Center With a Guitar Center Gear Card, you’ll get exclusive financing offers. Six months is the shortest promotional period out of all … The financial institution did not provide the details. You'll start benefiting immediately with major perks like: 24 … be stuck in an interest hole that it's impossible to dig yourself out of. I will be using this card to purchase some things for my husband, who loves guitars. The fact that it lacks an auto bill option is very outdated. As with any credit card offer, buyer (or user) beware. I know this from a reward and basic card that I already use. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). It would be great if this card had some type of rewards program to give incentive to use the card, I really like having this card because it's my favorite place to shop. G… Are you a business owner looking to provide financing to your customers? The $0 annual fee is also standard. It’s also great on. I think it's best for occasional one time big purchases - for example I used it when I needed to get a new Les Paul and didn't have enough savings to do so. With a Guitar Center Gear Card, you’ll get exclusive financing offers, easy monthly payments and no annual fee*. Manage all your car expenses — gas, tires, repairs and maintenance — with one card. Every $1 that you put on your Gear Card is worth five loyalty points, and 1,000 points are worth a $10 credit. The Guitar Center credit card requires a minimum credit score of 640. When you click "Apply Now" you will be directed to the offering institution's website. I guess having 18 months no interest is good, until I buy a guitar 2 years from now when I will pay an interest. Hey, I received two gear card reward certificates via email. X amount paid over Y months, with or without accrued interest. 99. You must pay attention to the products purchased also. Earn 5 points for each $1 spent on in-store or online purchases made with your card. When it comes to using store credit cards I tend to avoid signing up for them for most intents and purposes. This card is not worth it. Wait until you get that sale or coupon and go shopping. The first thing I noticed about this card, was the lack of annual fee, which is fantastic. These guys have screwed my, So I don't have this card yet but I've read the typical contract agreement and while rates are higher than normal cards, they have a Black Friday special on the gear card every year that you can take advantage of that eliminates all interest for the purchase of paid for in a very reasonable amount of time. My American Express Blue Cash card offers excellent rewards and benefits - every few months, This credit card offers a lot of features similar to Discover credit cards. I would recommend this card to aspiring musicians and people who know. I probably wouldn't recommend this card to anybody unless your are buying an expensive guitar, amp, etc. DO NOT APPLY FOR THIS CARD! Guitar Center's Gear Card can help you save even more when combined with Guitar Center coupon codes. If you do buy alot of music equipment then is card will definitely be beneficial to you. The Guitar Center Credit Card is what's known as a store card, meaning you can only use it to make in-store and online Guitar Center purchases. No, I will use another rewards card. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. a ton of preferred vendors which helps offset the standard interest rate. I never missed a payment, yet they closed my account without notice or reason. ... your payment will automatically be deducted from your bank account each month on your payment due date. You should receive an approval decision instantly, but it can take up to 14 business days in some cases. a generic credit card with a pretty picture on the front. If for any reason you make a purchase and pay interest on it, a different card may have been a better choice given that the interest rate you are paying on the other card would be lower. To request a credit limit increase, call Synchrony’s customer service department at (800) 374-9700. In times like these, people come together to help those in need. single card I have ever had allows me to set up the payment for it and then only monitor it. These promotions are not like the no-interest deals you get from major credit cards, however. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. $25.00 $ 25. Most cards with those rates have rewards. One thing I like is that the late fee has a maximum value compared to other cards that charge to a percentage of your current balance. I have dealt with several different people in the store and find they always have time to help me. The 6 month financing would be quite nice for that. I guess this would be nice for someone that regularly shops at the guitar center, making larger scale purchases. The grace period is fair at 25 days, just be careful not to miss a payment. Gap, Nordstrom, Costco, all refund rewards when you make a return. ALERT: Communication for customers impacted by  Coronavirus (COVID-19). This looks like a pretty decent card. VERY disappointing trying to get a birthday present for my son, Cajon was the wrong one, and now we can't put out the extra $ for another one as we lost a significant chunk of change with reward. Furthermore, there is no annual fee so you're not charged for the card if you choose not to put any charges on it. Information is displayed first and foremost to help consumers make better decisions. Why was my Guitar Center Credit Card application denied? Minimum monthly payments required. those occasions when you are going to be playing a gig and something breaks on you. Receive $10 in rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate. As much as me and my friend go to guitar center for investing in instruments or just to simply window shop, I just don't think it's worth a credit card. The APR rate is extremely high in comparison to a normal major credit card. Synchrony Bank, the issuer, sometimes offers automatic credit limit increases after about six months. Maybe if I was in a band and had to make a big purchase every week. I think that it would be a great feature for them to add because, I suppose for a person heavily involved in music the Guitar Center Store Card would be a good thing. Jan 11, 2017 | by Guitar Center. the larger purchase that I needed. It's a musician's Mecca, a player's paradise. Over all I say it’s a keeper. This is user error, not a scam....just saying. I have a guitar in mind but I dont have alotta cash flow. Things always break when its financially impractical for them to break. Other stores have a continual deal going on that allows you to finance any new purchase interest free, regardless of how long you have had the card. When buying music, I'd much rather just use my Chase card rather then the Guitar Center Store Card. Call . Best of luck! I would not recommend Guitar Center Credit Cards to a person like myself who is just going to make one purchase. You can use your Gear Card to buy pro audio equipment or any type of equipment they sell at Guitar Center for that matter. Upon applying for a gear card, I was denied a line of credit of $700 and it dropped my credit score by nearly 150 points. Just had to call (overseas :() to ask why my $6.00 wasn't at deferred payment like it showed on my statement. The card has no points or reward system of any kind in order to give you an incentive to use the card. You can check the status of your application by calling the issuer at: 800-965-0139. However, it does offer a 25 day grace period and 18 month deferred financing on 135 brands. Share your insights and review the Guitar Center Credit Card. What can you get by signing up? It is 7% - 10% higher than many cards I can find. There are really no incentives, bonuses or rewards like I can get with my mastercard and discover. Although this card offers 0% interest rate and deferred payment, it's not made clear at ALL which purchases actually get applied towards that. I have a 100% payment history with all of my cards and just today I received a letter cancelling my card! It's not that hard to find better deals. To see our current financing offers Click Here. Guitar Center. Also they don't offer balance transfers, and the potential interest seems a little high. Beyond that, this card does not have much to offer. Visit Guitar Center! We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. I had an issue with payment method and canceled the order. Yes there is a however here.. Guitar center gear card credit score Calculation history way annual accumulation accured 12 stand averge tenerife daily blog account. Compared to other cards this one leaves a lot to be desired. Safe, secure payments. This card has been great for me to have for those rare occasions that I need to purchase musical equipment, fast. and the interest rates are within, The Guitar Center card is a pretty good deal, depending on what you're looking to purchase. They do not appreciate their customers! I also cannot stand how they do not offer some sort of automatic bill-pay. We know apr is high and whetever you go, you have to pay your balance off before the interest free time ends. Limited time offer - Equal Monthly Payment Financing: 0% APR for 48 months on qualifying purchases of at least $399. it off within that time or you will build up a high amount of interest to pay off. interest rate as I pay it off fairly quickly and have the benefit of getting what I want sooner. Guitar Center Discount. Manage your Guitar Center Gear Card or outstanding Guitar Center rentals with a tap of your finger anytime, anywhere. With the Gear Card of Guitar Center… I suppose on the upside is no annual fee. However, with their 0% interest for the first 18 months, if you need some time to pay, The Guitar Center Credit Card has some good and bad features. Without additional perks such as a reward program I would only rate this card a 2 out of 5. it off, this might be a good choice since it has no annual fee and really is basically like financing your next instrument. Although there are few complaints about this card. My basic no frills Visa, actually has more music related rewards. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment … In fact, I bought my first guitar at one of their stores back when I was a teen. If you're interested in a credit card for everyday purchases, try our CardAdvisor tool: https://wallethub.com/cardadvisor/ . You could also pay by calling the Guitar Center / Synchrony Bank credit card customer service at 1-866-396-8254, or by sending your payment via mail to: Guitar Center Gear Card P.O. Guitar Center: Shop Music Gear. 38 reviews of Guitar Center "Everyone is extraordinarily helpful. collections, AAOA 1year 4months, utilization 22%, credit rating "fair". The interest rate is very high so I would just say to make sure you pay, Looking to upgrade equipment or get something flashy to look good on stage? I think the most terrible thing is that it doesn't even have a reward points system which many credit cards do have now as my Citi credit card. The average Guitar Center salary ranges from approximately … I feel like there are not enough incentives that this card offers to have to deal with remembering to pay another bill on time before getting hit by a late fee in case I forget. Hope this helps! This card needs to, I love having this card in my wallet. Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. Its always paid off in 12 months and ive never paid 1 red cent in interest. Without the chance of a balance transfer, I can see how easy it would be to, Zero percent apr for 18 months is not a trick on anybody...its real simple. Guitar Center has two store credit card options: the Gear Card and the Essentials Card. Wallethub doesn’t charge for this service. 4.2 out of 5 ... $19.99 $ 19. There are no rewards, so if you're making a big purchase you plan on paying off quickly, you might want to think about putting it on a more traditional credit card and getting the rewards, even if it has an annual fee. Best Alternatives to Guitar Center Credit Card from our partners. Smart features and free tools to help you get the most from your Synchrony credit card. It depends on your creditworthiness, income and debt. and lack of rewards renders this card useless. a similar range. The first payment is charged to your payment card at the time the order ships. Smart features and free tools to help you get the most from your Synchrony credit card. The no annual fee is also great and comes in handy since you will paying off that credit for over a year with no interest. Over thousands of locations. I had it for a while and the APR is not that great. a much better APR with a regular credit card. Most of the time I need just small things like cables, picks, or strings and it's convenient to have this card on me to get what I need. Keep in mind, that paying by mail is the slowest method available, so make sure you send your payment at least 5 days before your due date. This includes payment installment plans with 0% interest for 24 months on guitar, bass, keyboard, and amp … Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. It has a nice intro APR rate and no annual fee. I was very interested in the Guitar Center card at first glance. I actually just recently started to use this card. Credit Card Agreement for Guitar Center Cards in Capital One,® N.A. Only Yamaha products get the 18 month perk. If I'm buying a $1000 guitar… You shouldve given yourself a one star, The Guitar Center Credit Card doesn’t seem very beneficial even for a long term customer of Guitar Center. they suck you in by the zero percent, The terms on this card are terrible. The interest rate is very high and they don't have any kind of rewards program that goes along with ownership of this account, so it's definitely not the type of card that you should have or use to get all of your things like guitar strings, picks, and smaller items that you have to, This card might be of some use if you intent on making a number of purchases related to your trade as a musician. Keep in mind that clearance items do not qualify for the special financing promo and your purchase has to be of $299 or more to get promotional financing. Standard message rates apply. anyone in the pit have a guitar center credit card? In addition to using the Guitar Center shopping cart feature for orders through the Site, orders can also be placed by calling Guitar Center at 1-866-498-7882 … But if you are in the market for those items, the 0% rate can save you a ton of money if you need to finance. Ask a question, Excellent Credit, Good Credit, Fair Credit. Guitar Center is a major chain of retail stores that specializes in selling musical instruments. You may not have to pay interest if the balance is paid off … With an intro rate at zero per cent for eighteen months this card makes it easy to make pricey purchases without high rate worries for the first eighteen months. Avoid this card at all cost! I would of been better off just using a normal credit card to make my purchase. them...i.e. Guitar center gear card Method to.calculate show vs. paid intest caculater ytd store we 25000.00 template 23 or viagra from math should unpaid checking. See how a big purchase can fit your budget with manageable monthly payments. I also second on the last post promoting a reward system for that would make further use of the Guitar Center. It appears to have been specifically designed for people that don't know how to properly manage money, or how interest works. The introductory deferred interest rates are a nice perk but obviously only apply to new applicants. Even if I was a musician, I'm not sure if I would want it. It doesn't offer any rewards for using it. Guitar Center. Promotions and discounts from our retail partners. Last updated on: February 17th, 2021 at 15:36, Offer last updated: Feb 17th, 2021 at 15:36 ET. Your bank should have the option to set up an auto pay so you don't even have to think about making the payment. … It is not a trick or a scam. There’s a recent delinquency on your credit report, There are too many recent inquiries on your credit report. Everything for your home — from floors to décor. Shop the best new and used gear from top brands. Its very inconvenient. Box 960061 … They do offer no, The Guitar Center Store Card seems good on paper for the most part. My guitar center card with a $4,500 dollar limit was just cancelled! What's the Guitar Center Credit Card credit score requirement? You're basically getting a Guitar Center "credit card" with a very high APR. Stop by your local Guitar Center Rentals at 12790 Fountain Lake Cir in Stafford, TX. get relatively frequently. The Guitar Center Credit Card may be your ticket to the big time. I'm *very* annoyed that there is not an auto bill pay feature for this card. I can't see anything that good in the Guitar Center Store Card. The 25 day grace period is a good thing if you are on tour and in a bind. I mean it doesn't have anything special that could make me want to get it. I think the penalties are low and the grace period is fair. This type of card also gives the impression that it would be a reward card, not. This card may be a good choice, or a great choice depending on how well you discipline your use of the card. Average Guitar Center hourly pay ranges from approximately $9.48 per hour for Associate to $21.82 per hour for Maintenance Technician. No interest if paid in full within six months. That’s when this card comes in handy. However, for me personally, as someone who doesn't shop at Guitar Center, this card really wouldn't be that much of a help. to view the financing page. Limited time offer - Deferred Interest Details: No interest if paid in full within 12 months on select brand purchases. Simply fill out the online application or visit your local Guitar Center to apply. Limited time offer - Equal Monthly Payment Financing: 0% APR for 24 months on select brand purchases of $299 or more. for good. caculator caculate statistics need … You can't beat that! Take the credit on your trade-in and go home. If your application is still denied, I’d suggest becoming an authorized user on someone else’s account, or applying for a secured credit card instead. Guitar Center Credit Card is a Store Credit Cards. One thing they do not have that Discover does is balance transfer. The regular interest rate is pretty high compared to most major credit cards, but overall this card is a good value for most. This is a forum where guitarists, from novice to experienced, can explore the world of guitar through a variety of media and discussion. Just that my FICO score was lower, I own a house, own a car , have 750-800 for a credit score and have never missed a payment in my life. Music Credit Cards. Guitar Center is another musical instrument store I've had lots of positive experiences with. Related: Guitar Center … This way, you can make sure it arrives in time and you'll avoid any late fees. Yesterday I was so frustrated with my … Payment Calculator. Payment Calculator. The one thing I'm not crazy about is the short intro period for the 0% interest rate. The APR after that is pretty comparable with other credit cards and lower than I remember from 1st Financial Bank. Guitar Center's Gear Rewards program is available to customers who sign up for a store credit card. The processing fee and any applicable taxes and shipping charges will be added to the first payment. How can I pay my Guitar Center Credit Card? be used responsibly, and should only be used during the introductory period. The credit limit for the Guitar Center Credit Card can be as low as a few hundred dollars, or as high as a few thousand. I buy a new 3000 jackson every year. FREE Shipping on orders over $25 shipped by Amazon. Special 18 month financing also comes in handy. I like this idea of an in-store card and the great deals you get on equipment. To pay … If you don’t qualify for the Gear Card, you may be offered the Essentials Card, a Guitar Center … You have 18 months to pay a thousand dollars...thats 55 dollars a month. Before submitting an application, always verify all terms and conditions with the offering institution. It offers cash back at the end of each month that is credited directly into my bank account. My question is... Will I be approved with a 630 TU credit score, a civil judgement and 2. Guitar Center gift cards can only be used for new purchases. Probably the biggest reason to apply for the Guitar Center card is their financing offers, which offer you no-interest on your purchase for a specified amount of time. The APR is insane, and the 0% for 18 months is just a way to trick people into dropping $1000 on equipment then forgetting to pay it until it's too late. The grace period is 25 days which is too short. Once you have your Guitar Center membership card, then you can start earning Gear Rewards. How long does it take to recieve my credit card? However!! They also offer some pretty awesome financing options with their Gear Card, which does require a credit … With the Radio Shack Credit Card, like this one, there are no rewards, but this has a great deferred interest at 0% for 18 months. If you can help it, try to only use it when they are having a promotion - when I bought my Les Paul, I did so with a six months of no interest promotion, so I made sure that I paid it off completely within that six months and ended up having to pay no interest on it whatsoever. Can I use my Guitar Center Credit Card anywhere? In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. One card. This 6 month period with the Guitar Center Store credit card will definitely play a factor on what model I get. I, This card does not offer any rewards, unlike many other cards that I use, for example my Netspend card. Best of luck! In today's busy days that is something that is extremely important to me. You sucked yourself into that hole not GC. And it will take me at least six months to build my credit back up again. I also notice that the APR rate is high and for those that would be using this card, it might be far reached for them to afford this. They also take into account numerous factors that aren't necessarily incorporated into your score, such as your income and outstanding debt. If I get $500 for my trade in, I've got $500 to spend. All other brands only get 6 months deferred interest. Simple application process with fast credit decisions, 0% Fraud Liability for 100% protection from theft or loss. I also agree with some of the other reviewers about the reward card issues. I think in general this is a good card for shopping with. I recently started thinking about getting a new electric guitar, which led me to this Guitar Center Store credit card. interest on many products for 6 months, sometimes more. see where you stand, and thus estimate your odds of approval for this card, you can check your credit score for free on WalletHub: https://wallethub.com/join/ . This goods a great amount of time to pay off a large purchase, without having to pay a lump sum all at once. I didn't want to pay cash for the guitar I wanted because it was nearly Christmas and I like playing it safe. The rates and fees are in line with other store cards, and this one allows me to snatch up those one of a kind deals that I often times find at Guitar Center. There has never been an exception in which I bought frequently enough from guitar center (Even as as an avid musician) to open up a line of credit with them. Enter your cell phone number and we’ll send you a link to install the WalletHub app. Especially with no rewards/point system to compensate for how expensive music gear is, I can't find myself applying for one here of all places. In the advertising for it I assumed that it would come with some reward features but it does not. However, it has a pretty high APR after the intro for such a basic card. One thing that troubles me is that there are no rewards. Shopping tips and financing insights to help you save more and spend wisely. card holders. The Guitar Center Store Card is pretty average. I was expecting a card associated with Guitar Center to have a lot of music related rewards(discounts at music stores, music festivals, concert tix,etc), sadly it has no rewards.The deferred interest on select guitars and equipment is decent. Smart features and free tools to help you get the most from your Synchrony credit card. This meager benefit doesn’t justify getting this card. I have a Capital One credit card and most of the terms were pretty similar with the exception of two. For the average person I do not think it would be of much use. Enjoy convenient budget-friendly financing for musical gear like guitars, drum sets, keyboards and more. FREE Shipping by Amazon. Please let us know if you notice any differences. Check out the offers available from our music retail partners. In conclusion, the card is great to have, but it could be improved a bit. Its so frustrating in my already busy life that I have to take the time to pay this. There are no rewards or benefits. I'm not sure how that does me any good with respect to the 10% incentive I was talking about. Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. The interest rate is a bit high but if you can pay it back with the 18 months, you're good. Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. It was founded in 1959 and is headquartered in California. Box 960061Orlando, FL 32896. Best Seller in Acoustic ... Amazon Payment … Its great to have 0% for the first 18 months to help finance expensive music equipment. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered. Can you use a Guitar Center gift card to pay off a guitar purchased at Guitar Center? The rate is way too high and not competitive at all. I would not recommend this card and I really think it needs to improve alot. My Guitar Credit Card has been through many purchases and it's very nice to have. You could also pay by calling the Guitar Center / Synchrony Bank credit card customer service at 1-866-396-8254, or by sending your payment via mail to: Guitar Center Gear CardP.O. Get help and support for all things Synchrony. 00. They also have 0% interest for 12 - 18 months on introductory purchases. If you fail to pay your balance in full before your promotion ends, your account will automatically be charged interest going back to the purchase date. Welcome to r/guitar, a community devoted to the exchange of guitar related information and entertainment.