Last Updated: 12/02/2025
Cedar Hill National Bank Cato Credit Card
Unaffiliated
Last Updated: 12/02/2025
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Highlights
Purchase APR (Variable APR)
22.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Cedar Hill National Bank Cato Credit Card Review
This is a store card issued by Cedar Hill National Bank. If you're wondering whether Cedar Hill National Bank Cato Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 22.9%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Cedar Hill National Bank Cato Credit Card
| The Good | The Bad |
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Cedar Hill National Bank Cato Credit Card FAQ
Does Cedar Hill National Bank Cato Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Cedar Hill National Bank Cato Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Cedar Hill National Bank Cato Credit Card has a variable purchase APR of 22.9%. Cedar Hill National Bank Cato Credit Card does not offer balance transfers.
Does Cedar Hill National Bank Cato Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Cedar Hill National Bank Cato Credit Card does not offer balance transfers.Does Cedar Hill National Bank Cato Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Cedar Hill National Bank Cato Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Cedar Hill National Bank Cato Credit Card?
The customer service number for Cedar Hill National Bank Cato Credit Card is (877) 557-3526.
What is the support contact email for Cedar Hill National Bank Cato Credit Card?
The support contact email for Cedar Hill National Bank Cato Credit Card is StyleMe@CatoFashions.com.
How do people rate the customer service and user experience of Cedar Hill National Bank Cato Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cedar Hill National Bank Cato Credit Card report your account activity to credit bureaus?
Yes, Cedar Hill National Bank Cato Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Cedar Hill National Bank perform a hard credit pull?
Yes, Cedar Hill National Bank Cato Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Cedar Hill National Bank Cato Credit Card
- Visit the website of Cedar Hill National Bank Cato Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Cedar Hill National Bank Cato Credit Card Community Reviews
Would you recommend Cedar Hill National Bank Cato Credit Card to your friends?
SZ
Stan Z.
Dec 2, 2025
May or may not recommend
The worst credit card and bank I've dealt with in 40 years. They sent me a letter telling me my check was returned and they were charging me a fee, but did not give the amount. First, I do not use checks, and second, I have over $3,000 in my account at all times. I called the bank and was told by a representative, "Sometimes the bank picks up ...Show More
Michelle M.
May 18, 2023
May or may not recommend
I have tried making payments online as well as by phone. Nope, they say I can't pay them either way and the only way that I have been able to pay is by actually going into the store to make a payment. VERY INCONVENIENT!!! Oh I'm sure I can mail a payment but who actually uses the postal mail for paying things anymore??? Cato is fantastic, don't get me wrong, ...Show More
JD
Jenifer D.
Nov 28, 2021
May or may not recommend
I've been trying to get a catos card for years and I have a credit score of 730 that I've worked at attaining and maintaining since I was 18 years old. I used shop there at least twice a month for myself and more times than that for my daughter. I don't understand why they do not want my business but I've found myself going there less often because ...Show More
Showing 3 of 3 reviews
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