garlan’s credit

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FAQ’s

What are the store hours?

We are open between 10:00 am to 8:00 pm Monday through Saturday and 10:00 am to 4:00 pm on Sundays. We are open every day, except for certain holidays.

Where is Garlan’s located?

We are located in the heart of Historic Downtown Calexico, at 235 East 2nd Street, in Calexico, CA 92231

What is Garlan’s Return & Exchange Policy?

At Garlan’s we’re committed to 100% customer satisfaction. We give our customers a full 30 days after the date of purchase to return or exchange merchandise. Fragrances may be returned up to 15 days after the date of purchase. To be eligible for a refund or exchange, your item must be unused/unscented and in the same condition as you received it. It must also be in the original packaging.
Items that are non-returnable include:

  • Gift cards
  • Some health and personal care items
  • Undergarments such as briefs
  • Jewelry

CLEARANCE merchandise that is equal to or greater than 40% OFF its original price may only be exchanged for another item. We do not issue refunds on CLEARANCE merchandise.

How can I qualify for a Garlan’s Credit Card?

To qualify for a Garlan’s Credit Card, you have to be 18 years or older. show valid identification, proof of income, and proof of current residency. We will then ask you to fill out the Garlan’s Credit application so that we can run your credit. After that we can usually provide you with an answer within 20 minutes of applying. Visit Garlan’s today and see a store associate for more details.

What kinds of documents do I need to show in order to apply for credit?

  1. We’ll need current proof of income. It can be a recent pay or check stub from your current employer.
  2. We’ll need proof of residency, This can a recent bill or invoice from your local utility company.
  3. We’ll need to see valid government issued identification such as a Driver's license, or passport.

If I live or work in Mexico, can I qualify for a Garlan’s Credit Card?

Of course! 90% of our customers live and/or work in Mexico. Visit Garlan’s today and see a store associate for more details.

How will I know if my credit was approved or denied?

Once you sign the Garlan’s credit application, we get right to work running the necessary credit reports from major credit reporting agencies. We usually have an answer for you within 15-20 minutes after you’ve applied. If you’re here at the store we’ll speak with you directly. If you’re not here we will either call you directly or send you and email regarding the status of your application.

What does it mean if my credit was Pre-Approved”, “Approved”, or “Not approved”?

  • A “Pre-Approved” status means that we still need one or more documents to process your application.
  • An “Approved” status means that we have reviewed your credit scores as well as the documentation you have submitted all everything meets our credit underwriting standards. You are now ready to pick up your Garlan’s Credit Card and start shopping.
  • “Not Approved”: A credit application that has not been approved simply means that your credit history or the documents you provided did not meet our underwriting standards in order to approve your credit application. For more information you may contact our customer service department at (760) 357 – 6846 ext. 2034

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.

What are Garlan’s Loyalty rewards?

At Garlan’s we really appreciate your preference and your business, but we don’t just say it, we show our appreciation with our Garlan’s Loyalty Reward program. The Garlan’s Loyalty Rewards program offers exclusive benefits like discounts, coupons and more. If you are Garlan’s Credit customers you are automatically enrolled in our Loyalty rewards program.

How does the Loyalty rewards program work?

You earn points every time you shop with your Garlan’s Credit Card. You can earn 1 point for every dollar you spend at Garlan’s and your points are redeemable on merchandise purchases anytime you like. You can also choose to accumulate your points rather than use them all at once.

What happens to my Loyalty reward points if I return what I purchased?

When you return your purchases, the points you accumulated with those purchases are subtracted from your loyalty rewards points balance.

Do my points expire if I don’t use them?

Garlan’s Loyalty Rewards points do not expire. You can continue to accumulate them for as long as the program exists.

How can I know how many points I have accumulated in my Garlan’s Loyalty rewards account?

Come in to our store any one of our representatives can give you your Rewards points balance. If you’re not in the store you can also call us at (760) 357 – 6846 ext 2034 and one of our representatives will be happy to assist you.

Do you guys ship to address?

Yes!! When you shop online with us we will gladly ship or mail your purchase to you. For more information check out our shipping rates or click here.