The Montgomery Ward credit approval requirements are being at least 18 years old, providing a Social Security number, and having a U.S. address to which a Montgomery Ward order can be shipped. There is no minimum credit score requirement for Montgomery Ward credit approval.
In addition to those guidelines, applicants can’t have previous unpaid Montgomery Ward credit accounts. They also can’t have restrictions on their credit report, such as a credit freeze, that don’t allow credit to be extended. Finally, Montgomery Ward must verify the applicant’s identity, which means the application will be denied if the credit bureau doesn’t return any information. You’ll likely be approved for credit that fully covers your order as long as you don’t run into these issues.
When Montgomery Ward approves your credit line, you’ll be able to make purchases at Wards and pay them off in smaller, recurring payments. The only caveat is that applicants with bad credit might need to make a down payment on a portion of their purchase. A down payment may also be required if applicants have limited credit history or if the order is very expensive. By requiring the occasional down payment, Wards avoids extending too much credit to customers, especially those who have yet to prove their creditworthiness.
Before making a purchase from Montgomery Ward, keep in mind that they usually do a hard credit pull to assess credit line requests. It’s also helpful to remember that some Montgomery Ward purchases cannot be shipped to P.O. boxes, so it’s best to provide a U.S. street address during checkout.
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