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.
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.
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 Overstock Credit Card application status by calling their customer service line at (855) 810-2546.
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.… read full answer
In case your application is denied, Overstock suggests waiting at least 90 days before re-applying.
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