What You Should Know About The Overstock Store Card Application Process
Although most applications get processed within minutes, there are some instances when the issuer will require some additional information. In these cases, applicants will be redirected to a “Pending” page. This doesn’t mean you’re denied, and you’ll usually receive a decision within 10 business days.
If you have been denied and you would like to re-apply for the Overstock Store Card, make sure to wait 90 days from your last application submission.
Yes, the Overstock Credit Card does a hard pull on your credit.
When you apply, the issuer has to take a look at your full credit report to decide whether or not you’re a good fit for the card. This might hurt your credit score for a little while. So make sure you have at least fair credit before sending in your application.… read full answer
You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.… read full answer
All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. Most major issuers – including American Express, Bank of America and Citibank – also offer a way to check your credit card application status online.
How to Check Your Credit Card Application Status with Major Issuers:
Whether you’re trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. Rest assured that even if you are eventually denied, you still have plenty of options.
Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. So if you’re denied for one card, it doesn’t mean you can’t be approved for another. For more information, check out this guide on what to do if your credit card application is denied.
The Overstock Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Overstock Store Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Overstock Store Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Overstock Store Card credit score requirement. You can check your credit score for free on WalletHub.
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