Mattress Firm

[Sandman771]

Does anyone know if a Mattress Firm Account is a CC or a retail installment contract? Thanks!

[Anonymous]

They offer both.

http://www.mattressfirm.com/financing-mattress-firm-credit-card.html

[Sandman771]

Thanks. Unfortunately I don't qualify for the best rate, so I'm not going to take a chance on their other offer to report as a retail installment contract and just pay cash. Just didn't want to splurge as King sized mattresses aren't cheap. 

[fltireguy]

Other option is go thru progressive in store and take the 6 month option... it didn't report for me

[Anonymous]

Why pay cash when you can put it on a CC and then immediately pay it off, thus getting some sort of rewards?

I would think a mattress store CC would be sort of pointless for the average person that buys a mattress maybe once per decade.  I always recommend staying away from CFAs for any stores that offer them for financing.  My suggestion is to just take out a 0% CC to make the purchase on if need be.  Either way you're taking an inquiry and new account, but the account may as well be a revolver, not a CFA that can hurt your credit scores.