Is the NTB Credit Card Safe?

Dena Standley | August 02, 2023

Edited by Hannah Locklear

Consumers question NTB credit card's safety because of its ease of application, great discounts, and attractive deals. For example, NTB Credit cards have excellent offers such as 0% (Annual Percentage Rate) APR for the first year and no annual fees. These features make consumers doubt its legitimacy and wonder if they will be scammed.

National Tire and Battery (NTB) credit card is a legitimate store credit card issued by CitiBank. The card was specifically made for consumers who purchase batteries, tires, and other car accessories from the NTB website and store.

NTB credit card stands out from other credit cards in that you do not need to have a perfect credit score to qualify to get it. You only need to have a fair credit score to be eligible for a credit card. The application process for NTB cards is relatively easy; you can either go to a nearby NTB office and register there or visit NTB's official website and follow the step-by-step process outlined.

Are you planning to apply for an NTB credit card? Do you have one already and are wondering whether to keep it? Today, we will give you more information about NTB credit cards to help you decide. We will also tell you how it affects your credit report.

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The NTB credit has both benefits and drawbacks

NTB credit cards have slightly different terms of service compared to most credit cards. As a result, their pros and cons also differ. Consumers need to carefully go through the following benefits and drawbacks before applying for it.

NTB Credit Card Benefits and Drawbacks

Benefits	Drawbacks
0% APR charges on new puchases in the first year	High-interest rates
No annual fee	No rewards or points system
No interest if you pay in full within one year of purchases above $699	Introductory offer requires the money to be paid within one year. If not, the interest is calculated from the purchase date.
Allows consumers with fair or poor credit scores to apply and often get approved	APRs higher than average after the first year
Can help consumers build their credit if used responsibly	No sign-up bonus offers
Card is acceptable in participating Exxon and Mobile and Tire Kingdom locations	Minimal credit card benefits
Reports to TransUnion, Experian, and Equifax credit bureaus	You do not earn points for purchases

NTB credit card benefits are best enjoyed if you need quick access to funds and you can pay back the money within 12 months. Otherwise, you need to carefully calculate the drawbacks of having a high-interest credit card with penalties and fees for late-payments and the potential damage a late payment can do to your credit score.

How NTB credit card application affects your credit score

When you apply for an NTB credit card with CitiBank, you can expect a hard or soft inquiry to follow on your credit report. A soft inquiry does not affect your credit score and is less often added to your credit report. NTB will perform a soft inquiry when you pre-qualify for a credit card, and they only want to check your score. However, if you apply for the card, you can expect a hard inquiry on your credit report.

A hard inquiry is added to your credit report and can impact your score. Citibank will access credit reports from the three main credit bureaus, which means each of your credit reports could feature a hard inquiry. Citibank's primary intent is to check how responsibly you use your credits, although they do not rely entirely on this process to approve an application.

Inquiries stay on your report for two years though it only affects your credit score in the first year. Lenders sometimes may decline to authorize your credit card or loan application if your credit report has multiple hard inquiries. Ensure that an NTB credit card application is necessary to avoid lowering your score.

How to remove NTB credit card hard inquiry from your credit report

If you applied for a credit card with NTB, it will be impossible to remove the inquiry from your report. But you could take action if you do not recognize a hard inquiry and you never consented to a credit check by Citibank. It could be a reporting error from the bank or credit bureaus or identity theft in progress. The Fair Credit Reporting Act (FCRA) allows you to request the removal of fraudulent inquiries from your report by:

• Filing a dispute with the credit bureaus: Once you notice an unusual inquiry, file a dispute with the credit bureaus online. You can also send a dispute letter via certified mail to cover all legal grounds. The bureaus will investigate with Citibank and NTB and remove the hard inquiry within 30 days.
• Contact Citibank for more details: If you suspect identity theft, Citibank will help you acquire more information regarding the unfamiliar credit card application that lead to the hard inquiry. Afterward, freeze your credit report, add a fraud alert, file a police report and submit a report at the Fair Trade Commission identity theft page.
• Monitoring your credit report regularly: FCRA allows you to receive one free copy of your credit report yearly from each credit bureau. Keep an eye on your credit report by spreading out the three requests throughout the year. You can pay a fee of $13.50 per request if you need to monitor it more frequently. This routine will help you catch any credit report discrepancies, and you will feel safe having an NTB credit card because you will notice any fraudulent activities.

Ready to use the NTB credit card?

Credit cards are generally safe to use, including an NTB credit card. The security measures put in place by credit card companies ensure you can use it with minimal risk of fraud. The FCRA also monitors credit card companies like NTB credit card to ensure consumers are treated fairly, and the companies report accurate information.

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