• If you have an existing Curacao credit account, the account must be active and able to make purchases
• A recent billing statement of the retailer store card that you wish us to beat within two billing cycles of the date that you make the request or a pre-approved offer from a retailer
• Competitor's Pre-Approved offers must provide proof of offer with interest rate range stipulated in the offer, must be within 30 days of offer expiration
• Invitation to Apply (ITA) offers are not eligible
• The name and address on the billing statement or pre-approved offer must match the name and address on the Curacao account
• For accounts with authorized users, the competitors card statement can be in either account user name. If you are an “authorized user” on the competitor retail store card, but not the party responsible for the store card account then please consider using a different store card in which you are the borrower on the credit account. (Statement online is incorrect)
• If you have a “co-signer” on the competitor retail store card which allowed you to qualify for the credit account and rate, then you may qualify for Curacao's Interest Beat program if you also have a co-signer on your Curacao credit account.

We'll beat our competitor's store card interest rates! A “store card” is defined as a credit card issued with the retailer's name on the card, regardless of whether a bank is managing the account.

Competitor store cards eligible for Interest Beat:

• Visa Card
• MasterCard
• Amazon.com Store Card
• Walmart Credit Card
• Costco Card
• Ashley Advantage Credit Card
• Big Lots Credit Card
• My Bob's Card
• Yes Money Financing
• Conn's Credit Card
• Guitar Center Gear Card
• JCPenney Credit Card
• Kohl's Credit Card
• Living Spaces Credit Card
• Lowe's Advantage Card
• Macy's Credit Card
• Nordstrom Credit Card
• Sears Card
• Target RedCard
• TJX Rewards Credit Card
• The Home Depot Consumer Credit Card

• Existing accounts must be active and able to purchase and cannot be delinquent (CA / AZ - more than 10 days past due, NV less than 5 Days past due)
• Inactive Customers can attempt to qualify after going through existing credit reactivation process
• Accounts previously closed for any reason may qualify after going through existing credit reactivation process

• Revolving (Express-99, Regular-50's) sub-accounts - if all requirements are met, current balances are eligible for lower interest rate and will take effect as of the date granted (i.e. intra-billing cycle). Finance charges assessed on existing balance up to the date of Interest Beat program interest rate change are calculated based on the previous sub-account interest rate. Finance charges for the remaining days of the billing statement will use the changed interest rate. For this reason, the weighted average interest rate for your first billing cycle under your new lower “Interest Beat” rate may be slightly higher due to finance charges which were already assessed on pre-existing balance at the previous old rate.
• Installment (01-09) sub-accounts - the new rate will be applied on new purchases made in the future. If you have a balance on an installment sub-account that is entirely from a purchase that was made in the last 15 days (no previous balance), then we will also be able to change the interest rate on that account, but if a portion or entire balance of the installment account came from a purchase made more than 15 days ago, then we are not able to change the interest rate on that balance

• Click here to submit your Interest Beat request online. Make sure to include your name, account number and the best phone number to call you back along with required documentation.
• Visit any Curacao store credit lounge and they can help you with your request, remember to bring the most recent billing statement for the store credit card that you want us to beat

Once we confirm your eligibility, we will match the competitor's store credit card and BEAT it by an additional 0.25%.