The Micro Center Insider Credit Card (2024)

FAQs

Can I use my micro center credit card anywhere? ›

At Micro Center stores, you can shop using your Micro Center Insider® Credit Card. * On microcenter.com, you can shop using MasterCard, VISA, Discover® Network Card, Diners Club and debit cards. Micro Center and Micro Center Online are based in the state of Ohio, USA.

Credit cards offer you a line of credit that can be used to make purchases, balance transfers and/or cash advances and requiring that you pay back the loan amount in the future.

Credit cards can come with a variety of fees, including annual fees, balance transfer fees, and foreign transaction fees. Make sure you're aware of any charges that may apply to your account and consider whether the card's benefits outweigh its costs.

To request a credit limit increase, call us at 1-800-642-4720.

On Microcenter.com and at our Micro Center store locations, you can shop using MasterCard, VISA, American Express, Discover®…

Some credit cards from Comenity Bank are included in major card networks like Visa and Mastercard, which means they can be used almost anywhere. Other Comenity Bank cards are store cards only, meaning they can only be used in a specific store or a family of stores.

Percentage method: Some credit card issuers calculate the minimum payment as a percentage of your outstanding balance. This percentage typically falls within the range of 1% to 3% but can vary. For example, if your outstanding balance is $500 and the minimum payment percentage is 2%, your minimum payment would be $10.

Credit cards can help or hurt your credit score depending on how you use them. Paying your credit card bills on time each month is the best way to build a strong credit score. Paying late or missing a payment can lower your score. It's also important not to owe too much on your cards at any given time.

The factors that determine your credit score are called The Three C's of Credit – Character, Capital and Capacity.

High interest rates on credit card balances are the biggest cause of ongoing credit card debt for consumers. Fees also generate revenue for the credit card companies. Some common fees include annual fees to use the card, cash advance fees, balance transfer fees and late fees.

What is the highest credit limit for Wells Fargo? ›

If the issuer approves your application, it will use that same information to determine the APR and your starting credit limit. The vast majority of people will start their credit journeys with a lower credit limit, around $200 to $500. But over time, the limit can reach as high as $20,000, $50,000, or even more.

If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

Wells Fargo doesn't specify how often a cardholder's credit limit can be increased, but generally, credit limit increases are possible as frequently as every six months to a year—if the cardholder opened the credit account more than six months ago and the account remains in good standing.

The card only works at Synchrony's partner stores

Use Synchrony's store locator to find merchants that accept the Synchrony Home credit card. But despite those thousands of Synchrony Home partners, this credit card isn't a true "open-loop" card that can be used anywhere the card's payment network is accepted.

A store card is a credit card that can only be used in a specific store or group of stores. For example, if you have a store card with the apparel retailer Gap, you may be able to use it within their network of brands, which include Old Navy, Banana Republic and Athleta, but nowhere else.

Whether a credit card is accepted at a particular merchant depends on the payment network it belongs to. The good news is that the four major payment networks—Visa, Mastercard, Discover, and American Express—are widely accepted everywhere in the United States.

Using a prepaid Visa or Mastercard

Virtual cards work for online or phone payments but not in physical stores unless added to a digital wallet when possible. On the other hand, physical cards can be used in retail stores, online, or over the phone. These prepaid cards function similarly to regular credit cards.