Credit Account Information

Frequently Asked Questions

Do I need to make a purchase before applying for financing?What is the interest rate on the Fixed Payment option?What happens if I take more that 90 days to pay off the balance on the Pay Later promotion?What is my minimum payment? Can I see what my bill will look like?What is the status of my online credit application? Where should I send my credit payment? How do I change or obtain general information about my credit account? Who do I contact regarding errors on my credit account bill? Is there an annual fee on my credit account? Can a business apply for this?Where can I use my credit account?Is there a prepayment penalty?Who is GEGAF?Is there a grace period?

Do I need to make a purchase before applying for financing?

You do not need to purchase prior to applying!  In fact, we recommend that you browse before you apply.  Remember that you can use your credit account in our stores, as well.

What is the interest rate on the Low Monthly Payment option?

The rate is currently 9.99%.  Please see the terms & disclosures above.

What happens if I take more that 90 days to pay off the balance on the Pay Later promotion?

It is in your best interest to pay off your balance before the end of 90 days.  However, if you cannot, the deferred interest that has been accruing on your balance will be added to the principal.  Minimum monthly payments will be required.  Please see the terms & disclosures above.

What is my minimum payment? 

That depends on your promotion!  If you choose 90 Days Pay Later- the payment is deferred for that time period.  After the 90 days your minimum payment is 3% of the outstanding balance or $10, whichever is greater.If you choose Low Monthly Payments - 4.61% for 24 months of the promotional purchase amount will be required each month in addition to any other required minimum payment

 

Can I see what my bill will look like?

In your first billing statement, you will receive an insert that explains everything you will see. 

  Click here to see an example.

What is the status of my online credit application? 

If you are approved, you will see an approval Pop-Up sheet indicating your account number, credit line amount, & a key reference number.  

If you are not approved, you will receive a message stating the application is pending, & you will receive a letter within 7-10 business days. You can call (877) 317-5544 with further questions.

Where should I send my credit payment? 

Payments can be sent to: Monogram Credit Card Bank of Georgia  P.O. Box 9001557 

Louisville, KY 40290-1557

How do I change or obtain general information about my credit account? 

Please call: (877) 317-5544

Who do I contact regarding errors on my credit account bill? 

Please call: (877) 317-5544

Is there an annual fee on my credit account? 

No annual fee!

Can a business apply for this?

Unfortunately, we do not have the capability to accept businesses.

Where can I use my credit account?

You can use your account at any Healthy Back location, in the stores or online.  However, promotional offers in the store locations may vary from the promotional opportunities available online. To find the store nearest to you, go to the Healthyback.com Store Locations Page.

Store Locations

Is there a prepayment penalty?

 

No.

What is GEGAF?

 

The GECAF Private Label Card is a line of credit that can be used to purchase merchandise at Healthy Back. The GECAF card frees up your major bankcards for other purchases plus extended financing terms are available. The GECAF card offers you additional buying power!

Is there a grace period?

Because of the purchases made on this credit account are all promotional, there is no grace period.  Please see the Financing Options above.

Applying Is Easy

Now you can apply in the comfort of your own home!  Apply online today with the reassurance of knowing that the application process is private and confidential from beginning to end. 

To apply for a credit account, you will need to provide your full name, address, social security number, and other such information as requested. Use one of the methods below to apply for credit.

• Online: Simply click on the "Apply Today for your Credit" button below to begin the quick application process. You will generally receive an answer within 2 minutes. Upon approval and verification, your approval sheet will pop up indicating account number, credit line amount & key reference number. We recommend that you print out your approval sheet so that you can reference your information in the future.

Accounts are available to United States residents only.

• Store: Visit the Healthy Back location nearest you to fill out a credit card application. To find the store nearest to you, go to the Healthyback.com Store Locations Page.

Store Locations

Apply Today for our Credit Card

• No annual fee
• Low monthly payments
• No pre-payment penalty