Ginny’s Credit review | finder.com

Ginny’s Credit review

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Ginny’s Credit Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

A revolving line of credit to use at the store.

30-second-take

  • Get this credit if you often shop at Ginny’s.
  • Pick something else if you want a line of credit you can use at other stores.
  • Apply if you have a fair credit score of 580 or higher.
Product NameGinny’s Credit
Card TypeStore card
Annual Fee$0
Standard Purchase APR5.75% to 23.99% fixed
Intro Purchase APR

N/A

Intro Balance Transfer APR

N/A

Interest Free PeriodUp to 25 days
Late Payment FeeUp to $15
Returned Payment FeeUp to $25
Minimum Age18 years of age
RewardsN/A

The basics

Ginny’s is a shopping order catalog for home decor, furniture, kitchenware, gifts, toys and personal care products. With its revolving line of credit, you can purchase an item now and pay it off in up to 47 months.

Applying for the credit is simple. Simply select items to purchase, then proceed to check out and choose to sign up for Ginny’s account or to continue as a guest. Either of the two will work. Next, enter all required information and at the payment page select Ginny’s Credit. Provide your Social Security number and date of birth and place your order.

The perks

    • No annual fee.Ginny’s Credit doesn’t have any annual fees.
    • Low monthly payments.
      Your monthly payments can be as low as $10 for purchases up to $100.
  • Quick approval.
    You’ll likely get fast approval. However, the company may reach out to you if additional information is needed.

You’ll also like

    • Build your buying power.
      Use your Ginny’s credit responsibly and get a credit increase.
  • Balance payment options.
    You have three balance payment options: online through your Ginny’s website account, by phone at 800-585-1666 or by mail at Ginny’s, PO Box 2825, Monroe, WI 53566-8031.

What to watch out for

    • High cost for long-term credit.
      Higher credits with lower monthly purchases that take 47 months are usually the most expensive. For example, if your balance is $1,200 and you make 47 monthly payments of $40, you’ll end up paying a total of $1,880.
  • Does not report to personal credit.
    Ginny’s won’t report your positive account activity to any of the three credit bureaus. It will only report in case you fail to pay your balance. For building credit, getting a secured card may be a better option.

Compare store credit cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
$0
24.9% variable
580
A no-annual-fee credit card and discounts when you shop at Target.
See terms
See issuer's website
300
Build your credit history with low monthly payments.
See terms
See issuer's website
300
Get access to purchase items in the Fingerhut store with no overlimit fees.
$0
5.75% to 23.99% fixed
300
Buy now, pay later — low monthly payments make shopping easier
$0
5.75% to 23.99% fixed
580
Payments starting at just $10 a month.

Compare up to 4 providers

Bottom line

Ginny’s regulars who want a deferred payment option on their purchases may find Ginny’s Credit useful. But you won’t be able to boost your credit score. If building your credit is one of your priorities, other card options could be a better choice.

If you’re looking for a revolving credit line to use at specific stores, consider other store cards to compare your options.

Frequently asked questions

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