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Ginny’s Credit review

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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.


Annual fee

5.75% to 23.99%

Purchase APR (fixed)


Recommended credit score


Product NameGinny’s Credit
Card typeStore card
Annual fee$0
Purchase APR5.75% to 23.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $25

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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
    24.65% variable
    A no-annual-fee credit card and discounts when you shop at Target.
    29.99% fixed
    Build your credit history with low monthly payments.
    29.99% fixed
    Get access to purchase items in the Fingerhut store with no overlimit fees.
    5.75% to 25.99% fixed
    Buy now, pay later — low monthly payments make shopping easier
    5.75% to 23.99% fixed
    Buy now, pay later with payments as low as $20 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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