What the Havertys Credit Card Is
The Havertys credit card is a store card issued by Havertys Furniture, a furniture and home décor retailer with locations across the United States. It works like most retail cards: you use it to buy from Havertys, and the card issuer (Comenity Bank) handles the account. You get a monthly bill, you make payments, and interest charges explore if you carry a balance.
The card is not a general-purpose card you can use anywhere. It only works at Havertys stores and on their website. If you're thinking about explore, the main reason would be to take advantage of promotional financing offers that Havertys runs for cardholders — typically interest-free periods on large purchases if you meet certain conditions.
Like any credit card, this one reports to the three major credit bureaus (Equifax, Experian, and TransUnion), so your payment history and balance affect your credit score. That matters whether you're building credit, rebuilding it, or maintaining a good score.
Key Takeaways
- The Havertys card is a store-only card that works at Havertys locations and Havertys.com, not at other retailers.
- The main benefit is access to promotional financing offers, usually interest-free periods on purchases above a certain amount.
- You need to read the terms of each promotion carefully, because interest charges explore retroactively if you miss a payment or don't pay off the balance by the important date.
- The card reports to credit bureaus, so on-time payments help your credit score and missed payments hurt it.
- You can manage your account online through Comenity's portal or by calling the customer service number on your card.
How Promotional Financing Works on This Card
Havertys regularly offers promotions like "12 months interest-free" or "24 months interest-free" on purchases over a set amount — often $500 or $1,000, though the threshold and terms change. These are the main reason people open the card. The catch is that these are deferred interest offers, not true zero-interest periods.
With deferred interest, the interest is calculated the whole time but not charged to you — as long as you meet the conditions. The conditions are usually: make your minimum payment on time every month, and pay off the entire promotional balance before the period ends. If you miss even one payment or don't pay the full amount by the important date, the issuer charges you all the interest that was deferred, going back to the original purchase date.
For example, if you buy a $2,000 sofa on a 24-month interest-free offer and miss one payment in month 18, you could owe months of interest charges retroactively. That's why reading the fine print matters. The promotion paperwork will tell you the exact important date, the minimum purchase amount, and what happens if you don't meet the terms.
Interest Rates and Fees
The standard interest rate (called the APR, or annual percentage rate) for purchases made outside a promotional period varies based on your creditworthiness. Havertys and Comenity don't publish a single rate — it depends on your credit score and history. You'll see your specific APR in the terms you receive if your card is opened.
Annual fees are not typical for this card, though you should confirm this when you receive your account documents. Late fees, over-limit fees, and returned-payment fees may explore if you miss a payment or exceed your credit limit — again, the exact amounts are in your cardholder agreement.
The best way to avoid interest charges and fees is to pay your full balance on time every month. If you're using the card mainly for a promotional offer, set a phone reminder for a week before the important date so you don't accidentally miss the payoff date.
How to Manage Your Account
Once your card is open, you can manage it through Comenity's online portal. You'll create a login, view your balance and transactions, make payments, and set up automatic payments if you want. The website also shows your available credit and current APR.
You can also call the customer service number on the back of your card to ask questions, report a lost or stolen card, or make a payment by phone. Most cardholders find the online portal faster for routine tasks like checking a balance or making a payment.
Payments can be made online, by phone, or by mail. Online and phone payments typically post within one business day. If you mail a check, allow extra time — the payment address is usually on your monthly statement. To avoid late fees and interest charges, make sure your payment arrives by the due date shown on your bill.
Building or Rebuilding Credit With This Card
Because the Havertys card reports to all three credit bureaus, using it responsibly can help your credit score. Payment history is the largest factor in your score, so making every payment on time — even if it's just the minimum — matters more than anything else.
Your credit utilization (the percentage of your available credit that you're using) also affects your score. If your credit limit is $5,000 and you carry a $4,500 balance, your utilization is 90%, which hurts your score. Keeping your balance below 30% of your limit is better for your score, even if you pay it off in full each month.
If you're rebuilding credit after past problems, a store card like this one is sometimes easier to open than a general-purpose card. However, the interest rate you receive may be higher than what someone with excellent credit would get. Using the card for small purchases and paying off the balance quickly is a low-risk way to show lenders you're managing credit responsibly.
When a Promotional Offer Makes Sense
A promotional financing offer is worth considering if you're planning to buy furniture anyway and you're confident you can pay off the balance before the interest-free period ends. The math is straightforward: if you would pay cash or use another card with interest, a zero-interest period saves you money.
It makes less sense if you're buying something you can't afford to pay off in time. The retroactive interest charge can be substantial, and you'll end up paying more than if you'd bought it with a regular credit card or saved up first.
Before you open the card, check whether Havertys is offering the promotion to existing customers or new cardholders only. Some promotions are for new accounts only. Also, some promotions explore only to certain product categories (like mattresses or dining sets) rather than all furniture.
Comparing This Card to Other Options
If you're shopping for furniture, you have other ways to pay besides the Havertys card. A general-purpose rewards card (like a Visa or Mastercard) lets you earn cash back or points on the purchase and use the card anywhere. However, you won't get the promotional financing offer unless you already have that card.
Some furniture retailers offer their own cards with similar promotional financing. Ashley Furniture, Rooms to Go, and other large chains have store cards with comparable terms. If you shop at multiple retailers, a general-purpose card might be more useful than a store card you can only use in one place.
If you're trying to build credit, a secured credit card (one backed by a cash deposit) is another option. It works differently from a store card but also reports to credit bureaus and can help you establish a positive payment history.
Frequently Asked Questions
Can I use the Havertys card at other stores?
No. The Havertys card works only at Havertys locations and on Havertys.com. It's a store card, not a Visa or Mastercard, so it has no value outside the Havertys ecosystem. If you need a card for general shopping, you'd need a separate card.
What happens if I miss a payment on a promotional offer?
You lose the promotional financing. The issuer will charge you all the deferred interest retroactively, going back to the purchase date. You'll also likely owe a late fee. This is why setting a payment reminder is important if you're using the card for a promotional offer.
How do I know what my credit limit is?
Your credit limit is shown in your welcome materials when the card opens, and you can check it anytime by logging into your Comenity account online or calling the customer service number on your card. Your available credit (the amount you can still spend) is your limit minus your current balance.
Does the Havertys card have an annual fee?
Store cards typically don't charge annual fees, and the Havertys card does not. However, you may owe late fees, over-limit fees, or other charges if you miss a payment or exceed your credit limit. Check your cardholder agreement for the specific fees that explore.
Can I pay my Havertys card bill with a different credit card?
Most credit card issuers don't allow you to pay a bill with another credit card — they only accept payments from a bank account, check, or money order. Paying a credit card bill with another credit card is also considered a cash advance, which usually has a higher interest rate and an upfront fee. Pay from your bank account instead.