Fortunoff credit card application comes from a different company!

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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Fortunoff credit card application comes from a different company!

Postby likeclockwork » Sun Jul 28, 2013 11:09 pm

Fortunoff (a very jewelry store with a great selection) has a credit card that you can get and instead of applying for it in store I was told you could access it on the website. Then when I go to and click thru to it I am given this message - The Fortunoff credit card is owned an operated by World Financial Network National Bank (WFNNB). We have no relationship with WFNNB

I know its a jeweler and not a bank but is that normal for a store to distant themselves like that from the CC that much and pass it off to someone else? It is almost sounds as if theyre disowning the CC. Does that mean the store will still help you with the CC if you were to have a problem with it?

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Postby stepinup » Tue Jul 30, 2013 9:23 pm

What you describe is merely typical of how department stores and jewelers operate their card divisions. Remember that Fortunoff is in the business of selling fine jewelry. It's only natural for them to outsource an unrelated part of the business, the credit cards, to a third-party who has more experience in that arena. Why would you even want the credit card from Fortunoff to be run internally. Wouldn't you rather have them continue to focus their efforts on what they do best - finding the best rings, necklaces and earrings to sell - and save the financing for a company who also does it best. In summary, this is the best strategy for a store to operate.

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Postby s.jessica » Wed Jul 31, 2013 9:49 am

This is normal these days. I don't know of any stores that have their own financing, most are backed by a major lender. Even major retailers like WalMart use GE Money Bank and Sears uses Citi. What "we have no relationship" means is the lender is not owned by the retailer. No, the retailer likely can't help much with problems with the card, you will have to call the WFNNB customer service line, however most retailers with a department store card will allow you to make a payment in the store.

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