Become a Premier Cardholder
Receive VIP financing, up to 5 years to pay* and low monthly payments.
Comenity Capital Bank issues Gardner-White Credit Card Accounts.
Special Financing For Everyone!
The power of Gardner-White means the vast majority of Metro-Detroiters qualify for at least one of our three great credit options. Get pre-approved online and save time. Or click here to have a Gardner-White Financial Specialist contact you by phone within 24 hours. Your application can then be processed on the spot.
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| Premier Card | Less than Perfect Credit | No Credit Needed | |
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| Apply Now | Apply Now | Apply Now | |
Options |
Interest Free | 6 & 12 Mo. Deferred Interest Promotions** | 101 Days, Same as Cash |
No Down Payment |
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Max Credit Limit |
$12,000 | $5,000 | $5,000 |
Loan Term |
Up to 5 Years | Revolving Credit | Up to 18 Months† |
Instant Approval |
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No Application Fee |
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*Promotional financing available with Gardner-White Credit Card Accounts offered by Comenity Capital Bank who determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required.
**Deferred Interest: Interest will be charged to your account from the purchase date if the qualifying purchase balance is not paid in full within the promotional period or if you make a late payment. You must pay more than your minimum payment to avoid paying interest. [6 or 12] month deferred interest promotion provided, subject to credit approval. See Cardholder Agreement for details. Fortiva Retail Credit accounts are issued by Mid America Bank & Trust Company, Member FDIC, Rolla, MO.
†Lease term