Ginny’s Credit review
A revolving line of credit to use at the store.
- 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 poor to fair credit score of 300 or higher.
5.75% to 23.99%
Purchase APR (fixed)
Recommended credit score
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.
- 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.
- 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.
- 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.
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Compare store credit cards
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.