How can I pay my Genesis Credit Card?

You can use your Genesis credit card anywhere Mastercard is accepted or only at the specific retailer your card is affiliated with, depending on which Genesis credit card you have. There are lots of different Genesis credit cards – cards issued by Genesis Finance Solutions. For example, Genesis offers cards tied to retailers ranging from The Home Depot to Mattress Firm. And each comes in four different versions: personal and business store cards, plus personal and business Mastercards. … read full answer

On top of that, there are also general consumer credit cards like the Indigo Mastercard and Milestone Mastercard. Both of those unsecured cards for people with bad credit can be used anywhere Mastercard is accepted.

Here is where you can use your Genesis credit card:

• Genesis Store Credit Cards: Cannot be used outside the store they are branded for. For example, you can only use the Home Depot Store Credit Card at Home Depot. Other examples include Ashley Homestore, Fred Meyer Jewelers, Mor Furniture For Less and Mattress Firm.
• Genesis Mastercard Credit Cards: Can be used anywhere Mastercard is accepted. Some examples are the Indigo Mastercard for Less than Perfect Credit and Milestone Mastercard – Bad Credit Considered. Both charge annual fees up to $99 per year based on your creditworthiness.

By the way, if you’re looking for a credit card tied to the car brand Genesis, there isn’t one.

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us. Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as … read full answersecured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.

Here are some Comenity Bank credit cards that are easy to get:

1. Zales Credit Card. Requires fair credit. No annual fee. 10% off all repair services. $50 off a $200+ purchase on your birthday. 0%-9.99% deferred interest for 6-36 months. Free shipping and exclusive coupons.
2. Ann Taylor Credit Card. Requires fair credit. No annual fee. 15% off the day you open an account, plus the first Thursday of every month. $15 birthday gift. 5 points per $1 spent. Double points during exclusive events. 2,000 points for a $20 gift card.
3. Catherines Credit Card. Requires fair credit. No annual fee. 15% off your first purchase. 10% off all other purchases. Bonus coupons during your birthday month.
   
4. WayFair Credit Card. Requires fair credit. No annual fee. 3% back in store rewards. $10, $25 or $40 off your first order of $50, $100 or $250. 0% deferred interest for 6-12 months.
5. Jessica London Credit Card. Requires fair credit. No annual fee. $10 reward certificate for opening an account. 2 points per $1 spent on Fullbeauty brands. Double points and a 20% off coupon your birthday month. 400 points get you a $10 reward certificate. Free shipping 4 times per year on purchases of $75+.
6. West Elm Credit Card. Requires fair credit. No annual fee. Welcome bonus of 50 Reward Dollars. 25 Reward Dollars on your birthday. 10% back in Reward Dollars or special financing. 250 Reward Dollars for a $25 gift certificate. 0% deferred interest for 12 months.
7. Petland Credit Card. Requires fair credit. No annual fee. 1 point per $1 spent, up to 2,000 points per month. 100 points for a $5 rewards certificate. Exclusive discounts and promotional financing.
8. Overstock Store Card. Requires fair credit. No annual fee. 10% off your first purchase. No other rewards. 0% deferred interest for 6-24 months.
   
9. Blue Nile Credit Card. Requires fair credit. No annual fee. No rewards. 0%-99% deferred interest for 6-60 months.
10. Big Lots Credit Card. Requires fair credit. No annual fee. No rewards. 0% deferred interest for 6-12 months.

As you can see, none of these cards charge an annual fee, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.

The easiest jewelry credit card to get is pretty much any jewelry credit card, including those from Helzberg Diamonds, Iddeal Jewelry, and Zales. You have about the same chance of getting all of them because they all are store cards that require fair credit (640+) for approval. So your best bet is to go for whichever jewelry store’s card has the benefits you like best. You could also consider a more general store card for a place that sells jewelry among other things, like JCPenney.… read full answer

Keep in mind that it’s best not to use a jewelry credit card for financing because most, if not all of them, use deferred interest. In other words, they give you a low introductory (often 0%) interest rate but still calculate how much interest you would have accrued during that period at the normal interest rate. If you don’t pay off your balance in full by the end of the introductory period, you owe the interest. So that’s something to be wary of.

With that said, let’s take a look at the benefits and terms of some of the most popular jewelry cards.

Easiest Jewelry Credit Cards to Get:

• Helzberg Diamonds Credit Card: 10% off repairs. $50 off $200+ purchase on your birthday. Free shipping. 0%-9.99% deferred interest for 6-36 months. Exclusive coupons by email. No annual fee. Fair credit needed.
• Zales Credit Card: 10% off repairs. $50 off $200+ purchase on your birthday. Free shipping. 0%-9.99% deferred interest for 6-36 months. Exclusive coupons by email. No annual fee. Fair credit needed.
• Iddeal Jewelry Credit Card: Flexible payment plans to help pay off your jewelry purchases. No annual fee. Fair credit needed.
• Maui Divers Jewelry Credit Card: 10% off your first purchase of $200+. No annual fee. 12 months of 0% deferred interest on purchases. Fair credit needed.
• Gordon’s Jewelers Credit Card: $50 off a $200+ purchase on your birthday. Free shipping. 10% off repair. 0%-9.99% deferred interest for 6-36 months. Exclusive coupons by email. No annual fee. Fair credit needed.
• The Jewelry Exchange Credit Card: 12 months of 0% deferred interest. No annual fee. Fair credit needed.
• Riddle’s Jewelry Credit Card: 24 months of 0% deferred interest. Promotional offers at certain stores. Free shipping for online purchases. No annual fee. Fair credit needed.

If you want a store card that can be used for jewelry but also for other things, here are some other good options: The JCPenney Card gives you 15% off select jewelry and 1 reward point per dollar on all purchases. The Amazon.com store card gives 5% off all Amazon purchases when you have a Prime account. And the Target REDcard gives you 5% off all Target purchases.

You could also consider non-store cards with good bonuses. For example, the Capital One Venture gives you 50,000 miles when you spend $3,000 in the first 3 months of account opening. You could use it to buy an engagement ring and save on your honeymoon with the miles. It’s easy to use credit cards to your advantage if you plan ahead.