Carter’s Credit Card: All the Information You Need

Estimated read time 8 min read

Do you often buy items from OshKosh B’gosh or Carter’s or OshKosh B’gosh? If that’s the case, you might be curious to know more about Carter’s credit card. We’ll provide you with a whole rundown of the card in this post, covering its characteristics, advantages, costs, and application procedure.

Carter’s Credit Card Benefits and Features

The Carter’s credit card is a store credit card that may be used both in-person and online at Carter’s and OshKosh B’gosh retail locations. The card has a number of characteristics and advantages, such as:

  • Rewards: Every dollar spent at Carter’s and OshKosh B’gosh shops or online earns cardholders 2 points under Carter’s credit card rewards program. You will receive a $10 rewards card that can be applied to future purchases once you have accumulated 100 points.
  • Special discounts All year round, cardholders get unique deals and coupons. These deals, which can be utilized online or in stores, are typically sent through email or postal mail.
  • Early access to sales: Carter’s credit cardholders can shop before the general public by receiving early access to a few sales events throughout the year.
  • Free standard delivery is offered to cardholders on any online orders made with their Carter’s credit card
  • .Birthday discount: As a thank you for being a devoted customer, cardholders get a special discount on their birthday.

Rates of Fees and Interest

Carter’s credit card has fees and interest rates, just like the majority of credit cards. The essential information is as follows:

  • Annual charge: Carter’s credit card has no yearly fee.
  • APR: The purchase’s annual percentage rate (APR) is 26.99%. As a variable rate, this one can change according to changes in the prime rate.
  • Late payment fee: If you miss the deadline for your minimum payment, you could be assessed a $40 late payment fee.
  • Cost for returned payments: You may be billed up to $40 if a payment is returned due to insufficient funds.

How to Apply for a Credit Card from Carter’s

You can apply for the Carter’s credit card online or in-store if you’re interested. You have to follow these necessary following steps:

  • Identifying details: Your entire name, address, phone number, and email address must be provided.
  • You must include financial details such as your yearly salary, job situation, and monthly housing payment.
  • Your Social Security number will be required in order to conduct a credit check.
  • Terms & Conditions Acceptance: The terms and conditions of the credit card agreement must be accepted by you.

After submitting your application, you’ll often hear back within a short while. Within 7 to 10 business days after your application has been granted, you will receive your card in the mail.

Click here to know about how to login, uses and benefits of Carter’s Credit Card

Are You a Good Fit for the Carter’s Credit Card?

For customers who frequently buy at Carter’s and OshKosh B’gosh, the Carter’s credit card may be a wise choice. You can save money on your purchases thanks to the loyalty program and special discounts, and the early access to deals can offer you an advantage over your rivals. To prevent interest and fees, you should pay off your balance in full each month due to the high APR and late payment fees.

If you’re thinking about getting Carter’s credit card, be sure to carefully study the terms and conditions and evaluate it against other credit cards to make sure it’s the best choice for your requirements. Picking up where we left off…

Remember that shop credit cards, like the Carter’s credit card, typically have smaller credit limits than conventional credit cards. As a result, you might not be able to use the card to pay for major purchases like furniture or gadgets.

Consider a general rewards credit card that gives cash back or travel rewards if you’re looking for a card with a bigger credit limit and a more flexible rewards program.

How can Carter pay his credit card balance?

You can carry out the following actions to pay your Carter’s credit card:

  • Visit the website for Carter’s credit card and login.
  • Open your credit card account and navigate to the “Payments” section.
  • Choose the payment option you want to use, such as a debit card or bank account.
  • Enter the payment amount and choose the payment date now.
  • Analyze the payment details before sending the payment.

You can also pay by mail or by phone as an alternative. Call the customer service number shown on the back of your Carter’s credit card and follow the on-hold instructions to make a payment. Send a check or money order together with your account number and payment amount to the address listed on your monthly statement to make a payment by mail.

How do I use PayPal to pay Carter’s credit card bill?

Use these steps to pay your Carter’s credit card online:-

  • Go to the bank or other financial institution’s website that issued your Carter’s credit card. Depending on the particular Carter’s credit card you have, either Synchrony Bank or Comenity Bank will often be listed here.
  • Put in your username and password to gain entrance to your credit card account. You might need to create an online account by providing your card information and other personal information if you haven’t already done so.
  • Now navigate to the “Payments” section of your credit card account’s dashboard. It can be seen under the tabs “Manage Account.” or “Account Summary”.
  • Select “Make a Payment” from the menu, then input the credit card payment amount. Typically, you have the option of paying your entire sum or a certain amount.
  • Submit your payment after entering your payment details, such as your bank account or credit/debit card information. You can also have the choice to schedule future payments or set up automated payments.

Your account should display the new balance as soon as your payment has been processed. You can ask your card issuer’s customer support team for help if you have any queries or problems paying with your Carter’s credit card online.

How do I pay with Carter’s credit card?

You have a few choices for charging something to your Carter’s credit card:

  • Online: By going into your account on the website of the bank or financial institution that issued your card, you can make a payment to your Carter’s credit card online. To make a payment, go to the “Payments” area of your account dashboard, choose that option, and then follow the instructions to enter your payment information.
  • Phone: You can use your Carter’s credit card to make a phone call payment. Call the customer support number on the back of your card, enter your payment information, and follow the on-screen instructions to finish the transaction.
  • Mail: To the aforementioned address, you may mail a cheque or money order. The money order or bank check must include your account number.
  • In-store: Carter credit cards might be able to be paid in person at some Carter’s locations. See whether this is a payment option offered by your local Carter shop.
  • Costumer Care: To avoid late fines and damage to your credit score, it’s critical to remember to make your payments on time. Contact your card issuer’s customer service team for support if you have any queries or worries about using your Carter’s credit card to make a payment.

Where can I use my credit card from Carte?

Your Carter’s credit card is accepted at Carter’s stores, OshKosh B’gosh stores, and on each brand’s website. Depending on the individual card you have, some Carter’s credit cards might also be accepted at other merchants that take Mastercard or Visa.

Refer to the instructions included with your card or contact the customer service division of your card issuer for more information to learn where you can use your Carter’s credit card.

The following are the steps for logging into your Carter’s Credit Card:

  • Visit the Carter’s Credit Card official website.
  • Select an online banking method.
  • Create login credentials or use your bank username and password to log in.
  • You will be led to a dashboard after logging in.
  • You may manage your Carter Credit card account from the dashboard.

Carter’s Credit Card Phone Number

Phone Number



For devoted Carter’s and OshKosh B’gosh consumers who want to cut costs on their purchases and have access to special discounts and early sales events, Carter’s credit card may be a smart choice. However, it’s crucial to use the card properly and complete your monthly debt payment in full due to the high APR and additional fines.

Make sure the card is the best choice for your needs by thoroughly reading the terms and conditions before applying for it and comparing it to other credit cards. And as always, use credit wisely and limit your expenditures to those you can afford to pay back on time.

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