How it works?
Store credit card
The credit card must be from an approved retailer and not a co-branded credit card
(cards that have on the face, both the logo of the retailer and a major credit card company such Visa, MasterCard, American Express, Discover, etc)Learn More
from our competitors
We’ll beat the Interest Rate of most major Competitor “store" cardSee full list of exclusions
without special promotions
Invitation to Apply (ITA) offers are not eligibleSee full list of exclusions
Visit any Curacao store and show us the Competitor’s Pre-Approved offer or a recent billing statement of the retailer store card that you wish us to beatStore locations
Click here to fill out the submission form.
Call us at 1-877-CURACAO or 1-877-287-8886 and an associate will help you.
we don't just match it
While other may offer a price match.
we'll beat it!
We’ll match the competitor’s store credit card Interest Rate and BEAT it by an additional 0.25%
even after your purchase
We'll beat the price up to 15 days after your purchase
Never worry again about the best deal
Curacao is so confident in our lending practices and the Interest Rate that we offer, we have introduced our INTEREST BEAT GUARANTEE. This ensures that our customers can enjoy competitive interest rates
Curacao continually reviews its lending rates and tries to ensure that our customers pay competitive rates on their outstanding debt. In fact, some customers are offered an interest rate that is lower than the competition’s store credit card, but we are not perfect. With Curacao’s INTEREST BEAT GUARANTEE, we will not only match the competitor’s interest rate, but we will BEAT it! That is our promise.
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.
Competitor “store card” is defined as a credit card issued with the name of that retailer on the card (regardless if a bank is managing the account) that is not co-branded with a major credit card association. Retail competitor store cards typically have restricted usage of credit for purchases at the retailer’s store locations.
Amazon.com Store Card
Walmart Credit Card
My Best Buy Credit Card Preferred
Ashley Advantage Credit Card
My Best Buy 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
Team Lowe’s Racing
Nordstrom Credit Card
Target Red Card
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.
Send an email to [email protected] and attached a scanned copy, pdf or a legible picture of the required documents. Include your name, account number and best call back number in the email and your request will be reviewed within 24 hours
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%.