How does the Garlan’s Credit card work?
Very simple. The Garlan’s Credit card program is a revolving charge account that works in much the same way any major bank or department store charge accounts work today. You are assigned a credit limit based on the information you provided when you applied and you can charge your purchases to your account up to the provided credit limit without leaving any type of down payment or deposit. Your available credit is reduced by the amount you currently owe and your available credit increases by the amount of payment or return that you make. At present Garlan’s charges a 23.99% annual or 1.92 monthly interest rate and we use the average daily balance method to calculate finance charges. Minimum payments are determined by the balance of your account at the end of the billing cycle. All payments are due by the 23rd of every month. We do not charge annual membership fees.
How does Garlan’s calculate the minimum payment on my account?
Minimum payments are determined by the balance of your account at the end of the billing cycle. More info can be found on the following page: Garlan's Charge Account
What is the final due date to make my payment without incurring late fees?
All minimum payments are due by the 23rd of each month. However you may make your minimum payment any day between the 1st and the 23rd of each month without incurring late payment penalties.
What happens if I don’t give my payment by the 23rd?
If we do not receive your payment by the 23rd, you will incur a $25 late payment penalty if your balance is higher than $50.0, or a $15.00 late payment penalty if your balance is less than $50.00.
I can not go to the store to make my payment, what other payment options are there?
If you can not visit the store to make your payment, no worries, we can take your payment over the phone with most major credit or debit cards. The fee for this service is $10.00. Just call our customer service department at 760-357-6846 ext 2034 and one of our representatives will be happy to assist you.
How can I find out what my balance is?
At the beginning of every month we will mail your monthly billing statement. The statement will show your balance at the closing of the previous month and all the transactions that occurred on your account during that month. If you register your email address with us we can also email you a summary of your monthly billing statement. Another option is to send us a private message on our facebook page. And finally you can always call our customer service department at 760-357-6846 ext 2034 and one of our representatives will be happy to assist you.
I lost my card, what do I do?
If your card was lost or stolen, Report it immediately! Call us at at (760) 357 – 6846 ext. 2034 so that we can code and protect your account. On your next visit we will provide you with a new one.