How to Pay Harbor Freight Credit Card?

Harbor Freight, known for offering affordable tools like hand tools, power tools, and drills, introduced a credit card to give loyal customers even better discounts. With millions of subscribers, many customers now have this credit card and frequently ask, “How to pay Harbor Freight credit card?”

If you’re wondering how to pay Harbor Freight credit card, you have a few options. Payments can typically be made online through the Harbor Freight credit card account portal, by phone, or by mailing a check. This ensures customers can choose the most convenient payment method for them.

How to pay Harbor Freight credit card? 

There are prominently 3 ways to pay towards your Harbor Freight credit card. 

By Phone – 

Canceling your credit card over the phone is the most reliable option, but making a payment on your credit card could be a bit trickier. 

Call Harbor Freight customer support at (855) 341-3108 and Follow the pre-recorded prompt. 

Enter your card information and wait until your details are verified. Finally, you have to press n/A to redirect yourself toward paying your Harbor Freight credit card over call. 

You might be questioned with a few security questions to confirm your identity. 

Online – 

Harbor Freight cards are backed by Synchrony Bank, and hence the payment control has to go through their system. 

This could be possibly the quickest way to pay your Harbor Freight credit card. You just have to log in to the online account https://www.synchrony.com/accounts/?client=hft 

Once you land on the home page. Click on “Make payment”. 

While making the payment, select your source of payment, and where it is coming from. 

By Mail – 

You will have to send a money order or write a check to the below address. Make sure you mention your account number associated with the credit card you are paying for. 

Address- 

Harbor Freight Tools Credit Card PO Box 71710 Philadelphia, PA 19176-1710 

While this could be the slowest method to make a payment towards your credit card, you should try sending your money order or check early to not miss your payment cycle. 

How to pay Harbor Freight credit card YouTube Video 

Can I set auto payment on my Harbor Freight Credit cards? 

Yes, you can opt for auto-payment on your Harbor Freight credit cards. Scheduled auto payments are the best way to build your credit with time. To avoid attracting interest on your outstanding credit amount, make sure to detach your credit cards while you are canceling them. Declined transactions could affect your credit scores. 

How do I check my Harbor Freight Credit Card balance? 

You have 2 ways to do this, 

1. Through Online –

Log in to your account here, to check your Harbor Freight card balance.  

2. Through Phone 

Now you can check your Harbor Freight credit card balance without logging into your account. Call the customer service at (855) 341-3108. You can also find the customer support number on the back of the card. 

Ensure you have your credit card and social security number handy to confirm your identity. You will be asked security questions before disclosing your balance. 

Can I use my Harbor Freight Credit Card without the card? 

Yes, Once you are approved for your Harbor Freight Credit Card, you will receive a temporary card number in your email in a few hours. You could show the same number at Harbor Freight stores while making the bill payment and let the cashier know about the temporary number until you get the card. The cashier will check up on your account and should approve your bill payment. 

How to pay Harbor Freight credit card to build credit? 

Paying your balances on time is the best validation of your credit account. The more times you make the payments on time, the better it is going to reflect on your credit report. 

Auto Recurring payments – Set your credit limit and divide your autopayments into halves in a month. Auto payments will automatically dodge late payment scenarios. For example – if you used a credit of $500, set your auto payment date once in 15 days twice in a month. So this shows a systematic payment towards your credit on your credit report. 

Keep your credit card active – The older your credit card account is the better it shows your reliability to the lender. Older credit accounts mean loyal customers repay their debts timely. You might get some better discounts on the interest rates for your future debt plans. 

Don’t unnecessarily cancel a credit card – 

Cancelling your Harbor Freight credit card will reduce your credit limit. A fall in your credit limit will shoot up your Credit utilization ratio, directly dropping your credit scores. 

You can carry zero balance or at least use your credit cards minimally to keep building your credit. 

Can I use my Harbor Freight Credit card anywhere? 

No, these credit cards are only eligible for purchases made at the Harbor Freight location and harborfreight.com website. The purpose of these credit cards is to offer top discounts to customers in-store and attract more shoppers.