How do I make a Montgomery Ward credit card payment?

There is no credit score requirement for the Montgomery Ward Credit Account, since Montgomery Ward will approve even applicants with bad. The lack of an official Montgomery Ward Credit Account credit score requirement doesn’t mean everybody gets approved, as Montgomery Wards can partially approve or deny credit line applicants. Partial approval means that Montgomery Wards will grant you credit for part of the credit line that you request, but you’ll need to pay the rest up front.... read full answer

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 the Montgomery Ward Credit Account also reports to credit bureaus, opening a credit account with them is a solid way to build your credit score.

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 Card 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 Card even with bad credit.

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 Card. 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 Card approval requirements:

• Applicants with bad credit 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
• No foreclosure, tax liens or other derogatory marks on your credit

As long as you avoid the negatives, you should have a good chance of Fingerhut Credit Card 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 Card. The FreshStart program doesn’t report to the credit bureaus, but the regular account you’ll get afterward does.

Pros and Cons of the Fingerhut Credit Card

A Fingerhut Credit Card 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.

Ultimately, if you’d like to get more information about your credit standing before you apply, you can check your latest credit score for free on WalletHub, the only website where credit scores and reports update daily.