CFNA Contact Us

Identity verification upon application

To protect you against identity theft and fraudulent activity, additional verification of your identity during the credit card application process may be requested.

Paperless statements

Subscribing to paperless statements helps protect financial statements from inappropriate access and tampering. To go paperless with CFNA, log in, select the Profile icon, select Account Management and select Paperless Settings.

Secure connection

CFNA uses 256-bit encryption to ensure data is protected with the highest level of security. This helps to protect information as it travels over the internet between your device and CFNA.com. Check your browser address bar to confirm there is a secure connection to our website designated with a lock icon.

High security standards

CFNA.com is regularly scanned for vulnerabilities and malwares. You can access the latest report by clicking on the Norton Seal located within the website footer.

Two-step authentication

Two layers of identity verification are performed before logging into CFNA.com. Additionally, an unrecognized device triggers email verification before a login can occur.

Session timeouts

Your CFNA.com session will expire after 15 minutes of inactivity.

Protected credentials

Your credentials are stored using strong hashing algorithm in a secure environment.

Limited failed login attempts

CFNA online accounts are locked when there are up to five invalid login attempts in a span of 24 hours.

Masked sensitive information

Account numbers are partially masked using asterisks to help protect personal information.

If you suspect fraudulent activity on your account or another person has improperly obtained access to your CFNA account, please call us at 800.321.3950 or send an email to CFNACustServ@CFNA.com.

CFNA may send emails to cardholders focusing on services to support their account or promotional offers permitted by the credit card agreement. CFNA will not send you an email to ask you to reset your login credentials or supply account information through an email.

Log in to CFNA.com to manage your account.

Additional resources:

How to respond to a data breach

What to do if your banking credentials are compromised

How to protect yourself from common online threats

Create and manage your online credit card account

Creating an online account allows you to quickly monitor and manage your account 24/7.

Go paperless

Paperless banking is safer because your account is protected by a password and safety questions while avoiding potential lost or stolen paper statements. To go paperless with CFNA, log in, select the Profile icon, Account Settings and Paperless Settings option.

Keep personal information up to date

Protect your identity and ensure your address, phone number, and email address are kept current with CFNA.

Protect your device and computer

Invest in anti-virus and firewall software to protect your personal devices.

Log out of secure websites

Log out of CFNA.com. Be sure to close your browser when you are finished with online banking.

We report all account activity on a monthly basis.

Yes.

If CFNA receives a credit card application and your credit file is accessed, federal regulations require an inquiry be placed on your credit file. CFNA does not remove inquiries from credit reporting.

If you believe we have reported inaccurate information about you to a credit reporting agency, please notify us in writing at CFNA, PO Box 81315, Cleveland, OH 44181-0315. Please identify the inaccurate information, tell us why you believe it is incorrect, and provide supporting documentation of the inaccurate information, such as, a copy of the credit report that includes the inaccurate information or bank statement evidencing the payment was deducted from your account. We may report information about your account to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

Our company security policy prevents us from sharing an account number by email, telephone, or fax. This policy is to protect the personal and financial information of our accountholders. If you have not yet received your credit card in the mail and need assistance with your account, call Customer Service at 800.321.3950 and hit # until redirected to an agent.

Once you have created your online account with CFNA, you can view and download up to 13 months of your billing statements. Statements are posted online 3-5 days after your statement cycle date. If you've chosen to go paperless, you'll receive an email reminder when your statement is available online.

Create an online account for CFNA.com to set your statement preferences. Log in to your account and update your “Paperless Settings” under the Profile icon and select Account Settings.

Please Log in and confirm that you have provided your correct email address under the Profile icon and Personal Information. Also, we suggest you verify that our email address, estatements@CFNA.com, is not being flagged as SPAM by your email service provider. If your email is flagged as undeliverable for any reason, we will automatically send you a paper statement. Note that we do not generate billing statements for accounts with a zero balance. Once you create an account online with CFNA.com you will be able to view statements from that date going forward.

Log in and use the online form under the “Card Services” button to request an authorized user be removed from your account.

Log in and use the online form under the “Card Services” button to request an authorized user be added to your account.

Log in to your account and update your Personal Information under the Profile icon.

All transactions are reflected on your electronic or paper statements. Don't see the information you need? Call the Customer Service number on the back of your credit card for assistance.

If you think there is an error on your statement, please keep in mind that all disputes must be made within 60 days after the error appeared on your statement. If you want to stop payment on the amount you think is incorrect, you must contact us at least 3 business days before an automated payment is scheduled.

If your dispute falls within those parameters, we ask that you please notify us of the dispute. You can log in to your account and use the online form under the “Card Services” button to submit a dispute. Or write to us at CFNA, BK-11/Customer Service, PO Box 81315, Cleveland, OH 44181-0315. In order for us to best serve you, please ensure you include the following information in your letter:

• Your name and account number.
• The dollar amount of the suspected error.
• A description of what you believe is incorrect and why.

Again, in order to investigate your dispute, we are required to receive the dispute notification in writing.

We don't want to see you go. Log in to your account to learn more about your card benefits and how your card helps you take on unexpected automotive repair and service costs.

If you choose to close your account call us at the Customer Service number on the back of your credit card.

Yes. Log in to CFNA.com to view your online account.

Creating a CFNA.com online account is easy by following the steps here.

Our company security policy prevents us from sharing an account number by email, telephone, or fax. This policy is to protect the personal and financial information of our accountholders. When you receive your credit card in the mail, you can create your online account.

CFNA.com utilizes two-step authentication for identity and access management security that requires both email, text, or phone call verification and device recognition.

Yes, all online accounts are required to use two-step authentication.

After your first login using your email address for verification, you have the option of using email, text, or phone call to verify your online account.

Once you are logged in, you can access the "Security & Account Settings" then navigate to the Two-Step Authentication page to add your phone number as an additional authentication factor.

Contact Customer Service so an agent can delete your online account. You can then create a new online account using your new email address.

To reset your password, go to CFNA.com/login and choose the "Forgot Password" link.

To reset your username, go to CFNA.com/forgot-username.

Because two-step authentication verifies your online account access by device, data aggregators do not have access to CFNA.com.

When you log in to CFNA.com for the first time on or after April 26, 2023 or from a new device you will be asked to verify your account with email. After your first log in you will have the option to verify with email, text, or phone call. Your Verification Code will be delivered to the email address or phone number used in your online Profile.

Logging in requires 3 steps.

1. 1. Enter your Username and Password and click "Log In".

   
2. 2. Authenticate your device by selecting "Send Email" to receive your Verification Code.

   
3. 3. Enter your unique Verification Code into CFNA.com to complete validation on your account.

   

No, you cannot opt-out of two-step authentication, but when you select "Trust this device" you will only need to authenticate when using a new device.

After your log in for the first time after April 26, 2023, you can authenticate with a security code delivered to your email address or phone number. Email address is a mandatory authentication factor, while your phone number is optional. To register your phone number, you can update your settings by going to the "Security & Account Settings" page.

No, when you log in to CFNA.com select "Trust this device" on the login page. Selecting this option will prevent you from having to verify using email, text, or phone call on future log ins unless you sign in from a new device.

• If you did not receive a Verification Code for multi-factor authentication (MFA), several factors could be at play. First, check the contact information shown on the MFA screen to confirm it's being sent to the correct phone number or email address (partially masked for security). MFA may be using different contact information than your CFNA.com profile. Please ensure your contact information is the same in both areas. MFA information is managed in the following section: Security & Account Settings > Two-Step Authentication > Email Address/Phone Number
• Second, check your spam or junk folder for the Verification Code email.
• Third, make sure your device has a stable internet connection and a strong signal.
• Finally, if you're still having trouble, try a different verification method (e.g., text message instead of email). If the issue persists, please contact Customer Service at 1-800-321-3950 or visit cfna.com/customer-support.
• For your protection, CFNA will never ask for your full login credentials via email or phone. Do not share your Verification Code with anyone.

Yes, CFNA has an iOS and Android compatible mobile app for accountholders. Search for myCFNA Mobile in the App Store or Google Play to download the most recent version of myCFNA Mobile.

iPhone and Android based devices with compatible and current operating systems are supported.

myCFNA Mobile is free to download and use by CFNA accountholders.

Yes. Only CFNA accountholders who have created an online account on CFNA.com can use myCFNA Mobile.

If you have already created an online account on CFNA.com, you will use the same security credentials to log into myCFNA Mobile. If you need to create an online account, go here.

myCFNA Mobile only uses approximately 29.25 MB on iOS devices and 33.64 MB on Android devices.

Here are questions and answers to the most common log in issues:

• Do you have an online account already for CFNA.com? If not, go here.
• Do you remember your username for your CFNA.com account? If not, go here.
• Do you remember your password for your CFNA.com account? If not, go to CFNA.com/login and choose the "Forgot Password" link.

You can view and adjust your Security & Account Settings by logging into your online account. Tap on the Profile icon to manage your settings.

To read more about CFNA multi-step authentication, go here.

Here are the top features available in myCFNA Mobile:

• Schedule and pay your bill securely and quickly
• Check your account balance and available credit
• Monitor your transaction history
• View your billing statements
• Update your personal information
• Access Customer Service and FAQs

myCFNA Mobile provides the most in-demand support including make a payment, view transactions, view statement, and update my personal information. If you need additional support not available through myCFNA Mobile, visit CFNA.com or contact Customer Service using the phone number on the back of your CFNA Credit Card.

You can activate your CFNA Credit Card by either going here or calling 1.833.371.2340.

Yes, settings, payments, statements, transactions, and personal information will be the same in both myCFNA Mobile and CFNA.com.

Visit the Online Account Access section of our FAQs for details on online security.

For the best experience, and to keep your account secure, it is recommended you download the most current version of myCFNA Mobile. Update myCFNA Mobile by visiting the App Store or Google Play or through your mobile device.

If your mobile device is unusable or compromised, access your Account and Security Settings on CFNA.com and update your password to help secure your online account.

CFNA welcomes your feedback on myCFNA Mobile here in our survey.

You can Log in to your account to retrieve this information or check your statement.

Remember to bring your CFNA Credit Card when you are ready to make a purchase at a participating automotive retailer.

However, participating automotive retail locations can also connect your tire and service in-store purchase with your CFNA account. You will need to show the store associate a valid government-issued photo ID to process your transaction.

Log in to your account and use the online form under the “Card Services” button to request a replacement card.

It takes about 7-10 business days from your application date for your credit card to arrive. If it's been longer than 10 business days, call us at 800.321.3950 or email CFNACustServ@CFNA.com.

Call Customer Service at 800.321.3950 to report your card lost or stolen. Representatives are available during the following hours:

Monday-Friday 8AM - 9PM ET

Saturday 9AM - 5:30PM ET

Freezing your CFNA Credit Card prevents new purchases on your account.

If you have a CFNA Mastercard and you Freeze it, any scheduled recurring charges including subscriptions will also be declined.

A Frozen card does not prevent you from paying your CFNA bill or managing your account online.

Log in to your CFNA.com or myCFNA Mobile account and navigate to your Card Services menu. In Card Services you will find the option to Freeze and Unfreeze your card.

If you have a 16-digit credit card, you may Freeze all or individual cards on your account.

If you have a 9-digit credit card, you are able to Freeze all cards on your account.

Your card will stay Frozen until you choose to either Unfreeze it or Report it Lost or Stolen.

Yes, Freezing a card does not impact your ability to make payments on your account.

Yes, Freeze your lost or stolen card and then call Customer Service at 800.321.3950 for assistance. Representatives are available during the following hours:

Monday-Friday 8AM - 9PM ET

Saturday 9AM - 5:30PM ET

If your card expires while Frozen, you will need to contact Customer Service at 800.321.3950 to have a new card mailed to you. Representatives are available during the following hours:

Monday-Friday 8AM - 9PM ET

Saturday 9AM - 5:30PM ET

Once Frozen, your subscription and automatic billing charges will be declined. Unfreezing the credit card will allow the charges to process.

You can apply online or stop by your preferred participating automotive retail location to apply in person. If you are an existing cardholder, Log in to find a location near you that accepts the CFNA card.

We are unable to give the reason for denial by phone or email. You will receive an explanation letter within 30 days.

Choose the following methods to pay your CFNA bill:

1. Pay online by logging into your account and clicking the Payments button.
2. Pay by electronic bill pay through your bank using your newest and complete account number.
3. Sending a check or money order to:

   Credit First N.A.

   PO Box 81344

   Cleveland, OH 44188-0344

4. Pay by electronic debit from your checking account by calling us at the Customer Service number on the back of your credit card.
5. Pay by debit card for a non-refundable payment processor service fee of $5.99 by calling us at the Customer Service number on the back of your credit card. Debit card payments cannot be processed through the automated phone system or online services.

If you are interested in recurring future payments, you can pre-schedule up to six months of online payments at CFNA.com by changing the payment date for each payment you are scheduling. CFNA will provide an individual confirmation number for each payment. Please retain your confirmation numbers for your records.

Available due dates we offer are: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 22nd and 23rd of each month. Please call us at the Customer Service number on the back of your credit card or email CFNACustServ@CFNA.com for eligibility.

You are welcome to use the over-payment credit toward your next purchase. If you have no purchases in the next 60 days, a refund will automatically be sent to you. You may also log in to your account and “Request a Refund” under the “Card Services” button to have your refund processed sooner.

Minimum payments are required each month. Log in to view your due date or check out your current statement for your due date.

To avoid receiving a late payment fee, you must pay the full minimum payment amount as indicated on your statement.

Payments made through CFNA.com, our automated phone system, or through a Customer Service representative prior to 11:59PM ET will be credited as of the same business day. Payments made through these methods after 5PM ET may not be reflected on your account for up to 1-2 business days.

Payments made by check must be received by 5PM ET at the payment address shown on your statement to be credited as of the same business day. If received after 5PM ET, the payment will be credited as of the next business day.

Promotional credit information is located in the middle of the first page of your statement. The promotional due date will be shown in the second to last box. The due date will also be reflected under the Important Messages as your due date nears.

We sent you a new credit card to ensure that you have the most up-to-date card for the best auto and tire care available.

Your CFNA account number may have changed; however, your balance and online account will transfer to the new account number.

Please safely dispose of your old card and begin using your new card to enjoy the same benefits on tires, maintenance, and repairs.

Your balance has not changed. Your new card will carry the same balance, account number, and online account as your old card.

If you have already created an online account for your old credit card on CFNA.com, you will use this existing account to manage your new credit card. Keep in mind, however, that the new card may be displayed when you Log in to your account.

If you do not have an account on CFNA.com, please create your online account now. Once created, you can view statements, make payments, and much more.

You may begin using your account immediately by presenting your card and government-issued photo ID when you make a purchase at a participating automotive retailer. Log in to find a location near you.

Your most recent billing statement may still reflect your old card design. We are working to update statement branding. Your statement will reflect your new card design soon.

If your CFNA Credit Card is 16 digits, you will need to activate your credit card to start using it. CFNA 9-digit credit cards do not require activation.