There is no Montgomery Ward credit score requirement, since Montgomery Ward will approve applicants with bad credit or no credit history for credit lines. The lack of an official Montgomery Ward credit score requirement doesn’t mean everybody gets approved, as Wards can partially approve or deny credit line applicants. Partial approval means that Wards will grant you credit for part of the credit line that you request, but you’ll need to pay the rest up front.
The Montgomery Ward Credit Account is one of the easiest credit lines to get approved for. Like many other issuers, Montgomery Ward will pull an applicant’s credit history while evaluating a new credit application. But the approval requirements are pretty lenient. Since Montgomery Ward also reports to credit bureaus, opening a credit account with them is a solid way to build your credit score.
The Montgomery Ward credit card credit score requirement is 300+ for people who already have an established credit history, and the issuer will also consider applicants with little or no credit history. Since the lowest credit score possible is 300, there really is no credit score requirement for a Wards credit line. Your odds of being approved definitely increase if you apply with a fair or good credit score, but applicants with bad credit scores or limited credit histories are still frequently approved for credit lines.
No. Montgomery Ward is not affiliated with Fingerhut. These two businesses do not have the same parent company, as Montgomery Ward is a subsidiary of Colony Brands, Inc., while Fingerhut is a subsidiary of Bluestem Brands, Inc.
That said, Montgomery Ward and Fingerhut have partnered up in the past. Their most recent joint venture – Montgomery Ward Direct – launched in 1991. However, Montgomery Ward Direct was shut down in the mid 1990s, and the two companies do not currently share any other projects. Montgomery Ward and Fingerhut now compete in the online retail space for the business of middle- and low-income consumers, especially those with less-than-good credit scores.… read full answer
The Fingerhut Credit Account approval requirements are to meet all the general standards, like being at least 18 years old with a U.S. mailing address, SSN, and the ability to pay. Plus, you can get the Fingerhut Credit Account even with bad.
It is one of the easiest “credit cards” to get approved for, and it can help you improve your credit standing if used responsibly. “Even if you have been turned down for credit, give us a try,” Fingerhut Credit’s webpage reads. “We can often say Yes! when others say no.”… read full answer
So, you don’t need any particular score to get the Fingerhut Credit Account. There are a few situations where Fingerhut will have to say no, though. Being in the middle of bankruptcy is one of them.
Here are the Fingerhut Credit Account approval requirements:
Applicants with bad can be accepted
18+ years old
United States mailing address
Social Security number (SSN)
Enough income or assets to afford monthly payments
No active bankruptcy
Not a member of a consumer credit counseling service
No past-due minimum payments while in the Fingerhut FreshStart program
As long as you avoid the negatives, you should have a good chance of Fingerhut Credit Account approval. And the best part about the process is if you’re not qualified for the card, Fingerhut might instead enroll you in their FreshStart program.
With this program, you’ll be able to make a Fingerhut purchase between $50 and the spending limit they give you. You must make a down payment of at least $50 toward the balance, and then pay off the rest in the time limit they specify after (usually a few months). After you finish paying the balance off, as long as you weren’t late with any payments, you’ll graduate to the regular Fingerhut Credit Account. The FreshStart program doesn’t report to the credit bureaus, but the regular account you’ll get afterward does.
So, a Fingerhut Credit Account is easy to get approved for and it’ll help you rebuild your credit. And to top it off, there’s a $0 annual fee. But the only issue is that you can only use the card for Fingerhut purchases. If you’re looking for a card you can use anywhere, there are several good options available.
You probably can’t get a Walmart credit card with bad credit because it requires fair credit for approval. That means your chances are best if your credit score is 640+. That’s not to say getting a Walmart credit card with bad credit is impossible. Each applicant’s situation is unique, and Walmart looks at factors such as income too. But it’s very unlikely, and not worth the additional credit score damage applying will do. That said, a Walmart credit card isn’t out of your reach forever. It’s possible to go from bad credit to fair credit in months, or even weeks, if you make the right moves.… read full answer
Here’s how to get a Walmart credit card with bad credit:
Get a secured card. Meant for people with bad credit, secured credit cards have the same credit-building potential as unsecured cards. You just have to put down a security deposit that acts as your credit line.
Make on-time payments. Paying on time is required if you want your score to rise.
Plan your utilization. Try to use less than 30% of your available credit.
Reduce your debts. Owing less means you can borrow more.
Monitor your credit. Checking your credit score and report frequently will help you figure out how to improve and when you’re ready for a Walmart card.
Apply for a Walmart card. Once you get your score to 640+, your chances of success will be much better.
So it’s unlikely you’ll get approved for a Walmart credit card with bad credit, but you can certainly work your way up to fair credit pretty quickly.
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