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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 25.99%

Purchase APR (fixed)


Recommended credit score


Product NameGinny’s Credit
Card typeStore card
Annual fee$0
Purchase APR5.75% to 25.99% 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 Credit comes with $0 annual fee, a fixed APR of 5.75% to 25.99% and monthly payments for your Ginny’s purchases starting as low as $10.

Ginny’s regulars who shop through this order catalog for home decor, furniture, kitchenware, gifts, toys and personal care products could find this credit useful. With its revolving line of credit, you can purchase an item now and pay it off in up to 47 months. Keep in mind, the longer it takes to pay off your purchase, the more interest it will accrue.

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.
  • No rewards.
    Many other credit cards offer rewards such as cash back, points or miles.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
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15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Seventh Avenue Credit
5.75% to 25.99% fixed
Buy now, pay later with payments as low as $20 a month.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.
Horizon Gold
Up to $299.40
Get a $500 credit limit and no interest on purchases when you shop at the Horizon Outlet with this unsecured card.

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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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