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$0
Annual fee
5.75% to 23.99%
Purchase APR (fixed)
300
Recommended credit score
| Product Name | Montgomery Ward credit |
|---|---|
| Annual fee | $0 |
| Purchase APR | 5.75% to 23.99% fixed |
| Balance transfer APR | N/A |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $15 |
| Late payment fee conditions | Varies by state $0.00 - $15.00 |
| Returned payment fee | Up to $25 |
This store-credit card limits your purchases to the Montgomery Ward online store. Approval is fairly easy, with poor credit accepted. Your credit line starts at $100, but can increase after making on-time payments. And depending on your credit, you could qualify for APRs between 5.75% and 23.99%.
The card is issued directly by Montgomery Ward and not by a bank.
To apply for the card, you only need to provide:
You can apply with a poor to fair credit score of 300 or higher.
Customers like how easy it is to get the card and are happy with Montgomery Ward’s customer service. Complaints are often about the one-sided reporting to credit bureaus. Paying your balance on time won’t help you build your score, but missing a payment or a default can stain your credit score.
Generally, approval only takes a few seconds. Once approved, expect your card to arrive within seven to 10 business days.
Yes, you may not be approved if:
You may need to make a down payment if:
If you often shop the Montgomery Ward website and struggle to get credit elsewhere, the Montgomery Ward credit could be useful. Approval is easy and your credit line can grow as you use your card and pay your balance on time.
However, if you’re looking for a universal credit card, consider looking for another credit card for poor credit.
