Credit Policy and Disclosure Statement

All accounts are due in full on the 10th of each month after our billing date of the 25th of each month. This is not a revolving credit plan.

An account paid in full during the current billing cycle will not be subject to Finance Charges. Any amount still unpaid at the end ofthis period will be subject to Finance Charges. Finance Charges are imposed on any balance over 30 days past due.

The Finance Charge is 1.75% per month of the outstanding balance. This is an Annual Percentage Rate of 16%. All service charges are computed on the unpaid balance of the account (not including pervious Finance Charges) on the 25th of each month. Minimum finance charge is $1.00 per month.

If legal action becomes necessary, other costs or attorney's fees may be added to your account. A Court of competent jurisdiction would impose these charges.

Carhart Lumber Company may seek a security interest on the property where the materials of services purchased were delivered or used. This security interest will be a lien right under the Nebraska Construction Lien Act.

There will be no minimum periodic payment allowed. All charges are due the 10th of the month following the purchase.

A late fee will be assessed if your account is not paid in full by the 10th of each month. This is in addition to the Finance Charge.

Credit will be suspended on accounts 60 days past due until the past due amount is paid or arrangements have been made with and approved by the Credit Department. Continual late payments or unjust claims will result in the termination of your account.

Accounts inactive for more than two years will be removed from the credit system. A new application is required to re-establish credit privileges.

If you have a problem with your account, please contact our Credit Department at credit@carhartlumber.com or at 402 375 2110 ext 355, or in writing to Carhart Lumber Company, PO Box 430, Wayne, NE  68787.

Please contact us at (402) 375-2110 or info@carhartlumber.com if you have questions or concerns about the terms above.

Carhart Lumber Company - Corporate Offices
P.O. Box 430 • 105 Main Street • Wayne, Nebraska 68787
Phone: (402) 375-2110 • Fax: (402) 375-2116 • info@carhartlumber.com