You will find that the Harley Davidson Visa Credit Card has a lot of benefits. With every purchase, you can get closer to earning Harley Chrome cash certificates. Other card features include no present spending limit and much more.
All About Points
You will be able to earn points with this Harley Davidson card. This may be one of the best aspects to the card because it enables you to get a lot of Harley Davidson branded stuff for free over the course of the year. The more you spend on the card, the more you earn points. With more points, you can buy more Harley Chrome Cash certificates.
Earning points is the easy part. You simply use the card to complete your purchases on a regular basis. For every dollar you charge, you get at least one point. When you want more points per dollar, you use the card at gas stations, for lodging, at restaurants and at bars. If you want even more points per dollar, then be sure to use the card at Harley Davidson dealerships, too.
As you earn points, you can turn them into cash certificates. The cash certificates have expiration dates, so if you plan on using them to buy a major purchase, you can keep the points in your account and redeem them all at once. You can also redeem the certificates throughout the year to buy Harley Davidson merchandise for yourself or to give to friends and family so they can buy themselves something special.
If you request additional cards for other family members, all of you can earn rewards. When multiple people are purchasing on the account, it will help you reach the desired point levels faster.
Special Card Perks
There are some unique features to this card that you will want to take advantage of. Not only can you earn points to get you free Harley Davidson stuff, but you can also get some other cool things such as:
- No preset spending limit
- Sweepstake entries
- Fraud protection
There is no preset spending limit on the account. Where other cards give you a credit limit, you don't have one on this card. What this means for you is that you can buy whatever you want, whenever you want without being told that you don't have enough credit on your card. This allows you to have the freedom to purchase as you need to throughout the year. As long as you can make at least the minimum payment at the end of each billing statement, you're able to buy whatever you want.
When you use the card and you bill purchases to the card, you are able to get entries into sweepstakes. The sweepstakes vary from year to year, so you will have to be on the lookout for what you can win. It may be a free motorcycle, cash or other different prizes.
You will also have fraud protection on the card. This includes zero liability so you don't have to worry about paying for a purchase that made it onto your card fraudulently. If there is a charge that you didn't authorize, you simply call customer service, explain the situation and ask for them to remove it.
Managing your account is very critical. You will need to ensure you stay within your comfortable spending limits so you can make at least the minimum payments every month. Especially because there is no preset spending limit, you have to be cautious not to overspend. There are some easy account management tools that you can use to help with this task.
First, you have to understand that, while there is an APR on the account, you don't have to use it. When you make charges to the account, you can pay for them in one of two ways. You can choose to pay the purchases off slowly over time. When you do this, you will pay an interest charge which is based upon the APR. You can also choose to bypass the interest charge entirely by paying the statement balance in full.
When you are trying to manage your account, you need up to the minute information. With access to the online portal, you can log on and find out about account details at any time. Within seconds of logging into the secure site, you can find out your balance and look up some charges you've made in the past. By being able to see all of your charges, you can figure out your spending habits.
You will be able to manage your bills online as well. If you don't want to write a check and put it in the mail each month, you don't have to. It's possible to schedule the payment of your bills online and in advance. The money will come right out of your checking account so you don't have to do a thing. You simply determine how much you want to pay and what date you want to make the payment.
If you don't have access to the internet, you can also manage your account with the statements that come in the mail or via the toll free number. The same number you call to talk to customer service representatives is the same number that you can listen to an automated message. This will give you all the details you need to know so you can curb your spending before you go into debt.
With the Harley Davidson credit card, you can buy more Harley gear. From clothes to jewelry and even bike accessories, you can get it for a reduced price or for no charge at all. When you spend more on the card, you earn more points, giving you more options.