Start My Answer
loading...

Is the NTB Credit Card Safe?

Dena Standley | August 02, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: NTB credit cards are best for someone who needs quick access to funds and can pay them back within 12 months. Here is SoloSuit's on the NTB credit card, its benefits and drawbacks, and how it can affect your credit scores.

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.

Sued for credit card debt? Use SoloSettle to settle your debts for good.

Settle with SoloSettle

Make an Offer

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.

SoloSuit can also help if NTB and Citibank contact you because of a debt you owe them. Use the document calculator below to determine which SoloSuit service is most appropriate for your case and circumstance.

Decide what to do next

What is the last document you received?

This calculator is for educational purposes only.

SoloSuit can help you respond to a debt lawsuit in just 15 minutes.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started

Contents