The Wayfair Credit Card requires a 700+ score for approval; this means you need at least good credit to get this card. The Wayfair Store Card on the other hand only requires a fair (640+) credit score. So, it would be a good idea to check your credit score before applying.
Keep in mind that apart from your credit score, various other factors determine the outcome of your application, like your credit history, income and any potential debts you might have.
They have changed their program to MasterCard only. I just received a MasterCard in the mail which they said replaced the store card. I wasn't sure if it was legit so I called and found out that it is.
What you should know before applying for the Wayfair Store Card
While your credit score is an important factor, there are plenty of other important factors that will impact your chances of being approved for the Wayfair Credit Card. Some other key criteria include your income, existing debts and overall creditworthiness.
You should also keep in mind that an application could result in a hard pull on your credit, lowering your score for a short period of time.
No, Citi cannot pre-qualify you for a credit card at the moment. Citi does have an online pre-qualification page, however, this tool is not currently working. While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning again. In the meantime, you can check if you get a “… read full answerpre-selected” offer, which means you fit some general criteria established by Citi and have around a 70% chance of approval.
When the pre-qualification page is working again, you can see if you pre-qualify for any Citibank credit cards by providing some personal information, such as your name, your mailing address, and the last four digits of your Social Security number. Citibank will then conduct a soft inquiry on your credit score, which won’t hurt your credit in any way, before showing which cards you prequalify for.
Enter your name, address, and the last 4 digits of your Social Security number.
Select which card benefit, if any, matters most to you from the dropdown menu.
Check the box acknowledging you know this isn’t a credit card application and won’t affect your credit score.
Click “See your card offer.”
You’ll find out which Citi cards you have good approval odds for almost immediately after you submit your information. If you’d like, you can apply for one of those cards right away. Pre-qualification doesn’t guarantee approval, but it does give you around a 90% chance of approval if you choose to apply.
Citi might also mail you a pre-qualified credit card offer. The downside to this is that you only get an offer for one card as opposed to the potential for several online. If you received your offer by mail, you can either fill out the enclosed application and mail it back, or type in the invitation number on the “Respond to a mail offer” tab of the pre-qualification page.
Citi may ask for your application ID, zip code, phone number, birthday and/or Social Security number to confirm your identity. It usually takes up to two weeks for Citi to reach a decision on your credit card application. If approved for an account, your card should arrive within 14 days of the decision. Citi does not offer expedited delivery.… read full answer
How to Check Your Citi Credit Card Application Status Online
Input your application ID and zip code, or your phone number, zip code and birthday.
Click “check your status.”
Receive your Citi application status on the screen: approved, denied or still pending.
To check your Citi credit card application status by phone, just call (888) 201-4523. Press “1” for English and, then, press “2”. Lastly, enter your Social Security number. A Citi representative will give you the status of your application.
In the unfortunate event that your Citi credit card application ends up being denied, you can still ask for reconsideration. The number is (800) 695-5171. It’s a long shot, and you’ll have to prove your situation is better than it appeared on your application. But there’s no harm in trying.
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