topic Re: When Is WFFNB Not a CFL? in Credit Cards

When Is WFFNB Not a CFL?

UpNComing — Thu, 16 Feb 2012 19:58:31 GMT

We had Empire Flooring install new floors last July. The financing they offered was 0% for 12 months through WFFNB. Despite the jitters about the possible CFL trade line we went ahead and took the deal. My question is, how do I know if it is a CFL? I looked at my CR and its listed as type: charge account. Did I dodge the bullet? Or am I not looking at it properly?

Re: When Is WFFNB Not a CFL?

pizzadude — Thu, 16 Feb 2012 20:03:15 GMT

I think it has something to do with the way the creditor is classified with the CRAs. Unfortunately I have never been able to see anything on my reports where it indicates this, so it seems like you can't tell by looking....

Re: When Is WFFNB Not a CFL?

UpNComing — Thu, 16 Feb 2012 20:11:26 GMT

So WFFNB always counts as a CFL then?

Re: When Is WFFNB Not a CFL?

Anonymous — Thu, 16 Feb 2012 20:45:42 GMT

@UpNComing wrote:
So WFFNB always counts as a CFL then?

No, they have many store CC which are revolving .