Frequently Asked Questions

PAYMENT OPTIONS & THE BLAIR CREDIT CARD

Q. What payment methods does Blair accept?

A. We accept these major credit cards: VISA, MasterCard, American Express and Discover. Or you can use the Blair Credit Card for more buy-now, pay-later convenience (plus so many other benefits). Click here for details about the Blair Credit Card.

Q. How do I apply for a Blair Credit Card Account?

A. Your options are:

1. Shop Blair.com now and apply right at checkout.
2. Call 1-866-746-7220 (TDD/TTY: 1-888-819-1918) to apply by phone or have an application mailed to you.
3. Write:
   World Financial Capital Bank (WFCB)
   P.O. Box 183003
   Columbus, OH 43218-3003
   

Q. Who is WFCB?

A. This is the financial institution that issues the Blair Credit Card. WFCB and Blair have partnered to bring you the benefits and service you deserve, and make shopping Blair even easier on you and your budget.

Q. Why do you need my social security number and date of birth?

A. Your social security number and date of birth are obtained so WFCB may verify your identity and to receive information from the credit bureau.

Q. Do I need to complete all the information requested on the application?

A. While WFCB can process your application without all of the requested data, the omission of information could delay the application process and could affect the decision regarding your application.

Q. What is an "Authorized Buyer"?

A. Authorized buyers are individuals who are allowed to make purchases on your account, but are not responsible for payment of those purchases. You, as the primary account holder, will be responsible for payment on all the purchases on this account.

Q. How do I know if my application has been approved?

A. When you apply online, in most cases, you will see instantly if you've been approved and what your credit limit is. You'll have the choice to receive your account number immediately online or wait until your new credit card arrives by mail within 2 weeks. If you are not immediately approved online, you will see a message explaining the application is under further review and that you will be contacted by mail within approximately ten (10) business days. When you apply by phone or mail, you'll receive your new card in the mail within 2 weeks if you are approved. If you are not immediately approved, you will be notified by mail within approximately ten (10) business days.

Q. Is it safe to apply online for a credit card?

A. We, Blair, have taken measures to ensure the security of all transactions involving personal information. We require a "secure session" using Secure Socket Layer (SSL) encryption technology for all such transactions. During a secure session, data passed back and forth between your computer and our system is encrypted to prevent a third party from intercepting it. If you would like additional information on Web Security, please refer to our security page.

Q. Can I apply for a credit card if I do not have a US address?

A. You must have a permanent U.S. residence to apply. Please note, we cannot accept applications with a P.O. box address.

Q. How do I read my Blair Credit Card Account statement?

A. Simply click here for easy-to-follow instructions on how to read your statement. These instructions require the Adobe Acrobat Reader to view. If you do not have this free software or have an older version, please download and install it now.

Q. What information can I see about my Blair Credit Card Account online?

A. As a Blair Credit Card customer, you may click here to access your account. Registered shoppers may also access their Blair Credit Card Account information by logging into their Blair shopping account. When you choose to access your account information, you'll be taken to the website operated by World Financial Capital Bank, the credit card issuer. (Since it isn't operated by Blair, it will require a separate login.) You will be able to check your current account status, including: credit limit, balance, available credit, minimum payment amount and due date, past due amount, last payment amount and date posted, list of your authorized buyers and detailed statement history. You may also pay your Blair Credit Card Account bill online.

Q. Will I be able to make changes to my account online?

A. Once you log into your Blair Credit Card Account and have secured access to your information, you will be able to: make changes to your personal information, add authorized buyers to your account or request a credit limit increase.

Q. When will my online payment to WFCB be withdrawn from my bank account?

A. It may take up to two business days to complete your online payment. A successful online payment will cause a debit on your checking account and a payment on your Blair Credit Card Account in the time specified when you submitted your payment.

Q. Can I schedule when I want my online payment to be withdrawn?

A. No. WFCB does not currently offer the ability to schedule when a payment can be withdrawn. Once a payment is keyed on WFCB's system, it will be withdrawn from your checking account within two business days.

Q. Is there a fee to make online payments?

A. No. There is currently no fee associated with using WFCB's online payment feature.

Q. Can you send me an email reminder of when my payment is due?

A. Currently, WFCB does not automatically generate an email reminder when your payment is due. When there is a balance on your account, you will receive a monthly billing statement by mail, that will indicate your balance, minimum payment due and payment due date.

Q. Can I set up my account to have automatic payments made each month?

A. Currently, WFCB does not offer the ability to schedule regular online payments to be withdrawn from your checking account on a monthly basis.

Q. What is the WFCB Credit Card Agreement?

A. The WFCB Credit Card Agreement is your agreement with the Blair Credit Card issuer, World Financial Capital Bank (WFCB).

Q. What is contained within the WFCB Credit Card Agreement?

A. The WFCB Credit Card Agreement covers the use of your credit card account. It explains topics such as: Minimum Payment, What to do if your Card is lost or stolen, Credit Limit, Finance Charges, Other Fees and Charges, Arbitration, Billing Rights and many others. Please refer to your WFCB Credit Card Agreement for more information.

Q. What are the Terms and Conditions of my Blair Credit Card account?

A. Click here to see the Blair Credit Card Terms and Conditions, Credit Card Agreement, or the Customer Privacy Statement. Items covered are: Annual Percentage Rate (APR), Other APRs, Variable Rate Information, Grace Period, Methods of Computing your Balance for Purchases, Annual Fees, Minimum Finance Charge, and Late Payment Fees.

Return to FAQ