Question 1

How do I apply for Michael's Credit Card?

Accepted Answer

You can apply for Michael's Credit Card online through the official Michael's website or in-store at your nearest Michael's craft store. To apply, you'll need to provide personal and financial information, and the bank will review your application to determine eligibility.

Question 2

What are the benefits of having Michael's Credit Card?

Accepted Answer

Michael's Credit Card offers several benefits, including: Rewards: Cardholders can earn rewards on their Michael's purchases, with the potential to earn up to nine percent in rewards on eligible purchases. First Purchase Discount: New cardholders receive a 20 percent discount on their first purchase with the card. Free Shipping Offers: Cardholders may receive occasional free shipping offers for online orders. Birthday Perk: There's a special discount during your birthday month. No Annual Fee: The card does not come with an annual fee.

Question 3

Can I use Michael's Credit Card at any store?

Accepted Answer

No, Michael's Credit Card is a store-exclusive card, which means you can only use it at Michael's craft stores or for online purchases on the Michael's website. It is not a general-purpose credit card like Visa or MasterCard.

Question 4

What is the interest rate on Michael's Credit Card?

Accepted Answer

The interest rate on Michael's Credit Card can vary, but it's typically on the higher side, similar to many other retail store credit cards. It may be in the high 20 percent range or around 29.99 percent. To avoid paying excessive interest charges, it's advisable to pay your balance in full each month.

Question 5

How do the rewards work with Michael's Credit Card?

Accepted Answer

With Michael's Credit Card, you can earn rewards on your purchases. For every $55 in purchases, you'll receive a $5 voucher. These vouchers are emailed to you automatically, but they have a 32-day expiration period. To maximize your rewards, it's essential to use the vouchers promptly.

Question 6

Is there an annual fee for Michael's Credit Card?

Accepted Answer

No, Michael's Credit Card does not have an annual fee, making it cost-effective for cardholders.

Question 7

Who is the issuer of Michael's Credit Card?

Accepted Answer

Michael's Credit Card is issued by Comenity Capital Bank. Comenity Capital Bank is a common issuer for retail store credit cards and handles various aspects of card management, including customer service and payments.

Question 8

Can I stack discounts and coupons with the first purchase discount?

Accepted Answer

Yes, the first purchase discount for new cardholders can typically be stacked with other discounts and coupons offered by Michael's. This can result in significant savings on your purchases.

Question 9

How long does it take to receive a decision on my credit card application?

Accepted Answer

The time it takes to receive a decision on your credit card application can vary. Some applicants may receive an instant decision, while others may need to wait a few days for a response. The bank will review your application and notify you of the outcome.

Question 10

How can I manage my Michael's Credit Card account?

Accepted Answer

You can manage your Michael's Credit Card account online through the card issuer's website, which is often provided on the back of your card. This allows you to check your balance, make payments, and view transaction history. You can also contact the card issuer's customer service for assistance.