How to Access a Retail Services Credit Account

Retail services credit accounts are lines of credit extended specifically for the purpose of purchasing one item, at one specific retailer. Other credit cards allow for purchases at thousands of retailers, but retail services accounts are designed to drive business into one store. Accessing these accounts is normally simple.

Instructions

How to Access a Retail Services Credit Account

1

Determine the bank financing the purchases on the account. Most retail services accounts are affiliates of larger lending institutions (HSBC and Citi are common banks). If you cannot immediately find the bank controlling the account, refer to your original contract agreement or your account statement and look for a contact number. One phone call to customer service will give you your answer.

2

Look up the bank online. Online services help you avoid waiting in long customer service phone queues. Make sure you have your username and password for your online account -- or create them if it's your first time logging into your online account. Make sure you have the following: account number, your name as listed on the card, the date the account was opened, and recent activity (for which there might be challenge questions).

3

Use the account. Some retail services accounts are credit lines that allow you to purchase additional items, not just the original item. Retail services accounts generally only allow you to use your credit at one specific retailer. Make sure to use your account at that particular retailer.

4

Contact the retail outlet itself for account servicing. Sometimes the bank supporting the retailer will allow the retailer itself to manage customer accounts. If this is the case (and you'll know when you try to access your account at the bank), either go to the store in person or call to get information on the account. Remember to have all account details ready.