The Firestone Credit Card, issued by CFNA (Credit First National Association), is a store-branded card that helps you finance auto repairs, tires, and maintenance. With promotional financing offers and flexible payment terms, it’s a solid option for drivers who want to spread out the cost of necessary car expenses.
But how easy is it to get approved? Here’s what you need to know before applying.
Minimum Credit Score Needed for the Firestone Credit Card
Most approved applicants have a credit score of 640 or higher, which falls into the fair to good credit range. While CFNA doesn’t publish a strict minimum score, having a score at or above this level improves your chances.
Keep in mind: your credit score isn’t the only thing that matters. CFNA will also consider your income, current debt levels, and payment history. If your score is below 640 but you have steady income and a clean credit report, approval is still possible—but not guaranteed.
What Else Affects Your Approval Odds?
In addition to your credit score, lenders look at a few other key factors when reviewing your application.
Steady Income
A consistent income reassures lenders that you’ll be able to manage monthly payments. Make sure your stated income is accurate and verifiable.
Low Credit Utilization
Using less than 30% of your total available credit signals responsible borrowing. If your balances are high, paying them down before applying can help.
Limited Hard Inquiries
Each credit application triggers a hard inquiry, which can slightly lower your credit score. Too many in a short period can hurt your approval chances.
How to Improve Your Credit Before Applying
If your credit score needs work, consider these strategies before submitting your application:
1. Check Your Credit Report
Mistakes on your credit report can hurt your score. Get free copies from all three credit bureaus through AnnualCreditReport.com and dispute any errors you find.
2. Make Every Payment On Time
Your payment history makes up the largest portion of your credit score. Set reminders or enroll in autopay to avoid missed due dates.
3. Pay Down Debt
Reducing your credit card balances can improve your credit utilization ratio and raise your score fairly quickly.
4. Don’t Open Unnecessary Accounts
A diverse mix of credit types can help your credit profile, but avoid opening new accounts unless they serve a real need. New credit lines can temporarily lower your score.
When to Consider a Credit Repair Service
If your credit report contains late payments, collections, or other negative items that are dragging your score down, working with a credit repair company can help you clean it up faster.
Credit Saint is a trusted leader in this space. They’ve helped thousands of clients address inaccurate or outdated items—including charge-offs, foreclosures, and repossessions—and rebuild stronger credit profiles.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started. Visit their website to see how they can help you move forward.
Bottom Line
You’ll have the best shot at approval for the Firestone Credit Card with a credit score of 640 or higher, but other factors like income and debt also matter. Whether you’re planning a major car repair or just want to take advantage of deferred interest offers, preparing your credit ahead of time can make a big difference.
Make sure your credit report is in good shape, keep balances low, and make consistent on-time payments. If your score needs more help, don’t hesitate to seek expert guidance to get back on track.
