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.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Overstock Store Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment 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. If you are not sure what your credit score is, you can check it for free right here on WalletHub.

No, a canceled order likely wouldn't count as a first purchase for the Overstock Store Card. These promotions, like discounts or bonus rewards for a “first purchase,” usually require the transaction to be completed and not refunded. That said, the Overstock Store Card has been discontinued, and official details about how its offers worked are no longer publicly available.

Those looking to earn rewards while shopping at their favorite brands should check out our editors' picks for the...

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.

You can make an Overstock Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.

How to Make an Overstock Credit Card Payment Online

1. Log in to your Comenity account with your username and password.
2. Click the payment button located by your credit card.
3. Choose how much to pay, when to pay...

To report a lost Overstock Store Card, immediately call Comenity Bank customer service. Comenity Bank will cancel the lost card and send a replacement card after verifying your identity over the phone.      

How to Report a Lost Overstock Store Card      

1. Call Comenity Bank customer service.
2. Choose the option to report a lost or stolen card from the menu.
3. Verify your identity once you're connected to a representative by providing any requested information, such as...

You can apply for the Overstock Store Card online, through the card's webpage. This way, you can easily access the credit card application form and complete it at your own pace. Unfortunately, you cannot apply for the Overstock Store Card over the phone or in person.

How to Apply for the Overstock Store Card Online

1. Visit the card's online page and select “Apply Now.”
2. On the next page, sign in to your online account using your email and password....

No, you cannot use your Overstock Store Card anywhere you want. The Overstock Store Card is a store card, which means it is not backed by any major credit card network and only works at affiliated locations.

Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Overstock Store Card offers $25 off your first purchase after spending $100 or more within the first 30 days. It also has an annual fee of $0.

You can learn more about the best store credit cards and the best...

The Overstock Store Card minimum payment is the greater of $5 or 3.5% of your balance at the end of the billing period, rounded up to nearest $1.

If the balance on your statement is less than $30, then the minimum payment will equal that balance.

Now, if you choose the deferred interest plan, your minimum payment will be the amount of the purchase divided by the number of months in the promotional period, rounded...