To get Montgomery Ward pre-approved credit offers, check for emails from the company as well as mailed Montgomery Ward catalogs, which may include pre-approved offers. These pre-approved offers inform consumers that they have a good chance of getting approved for a Montgomery Ward credit line if they choose to apply for one. A Montgomery Ward pre-approval offer will give instructions for how to apply.
People who have previously held accounts in good standing with Montgomery Ward, or with a sister company of Montgomery Ward, are most likely to receive these pre-approved credit offers. If you haven’t received a pre-approved offer, you can also just apply for credit when you make an order on the Montgomery Ward website by selecting “Open a New Account” at checkout. The application process is quick, and there is no minimum credit score required, so don’t feel the need to wait for pre-approval to request credit from Montgomery Ward.
The Montgomery Ward website states that pre-approved customers who’ve held Montgomery Ward credit lines in the past might have their credit request completed without further review. Still, Montgomery Ward may do a hard inquiry into your credit history for a credit line request even if you’ve had a past account. They will almost certainly pull the credit reports of new Montgomery Ward customers, including those who are pre-approved. Call customer service at 1-888-557-3848 if you’re curious to know whether a hard pull will be conducted on your credit.
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.… 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 Montgomery Ward 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.
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 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 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.
So, 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.
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