Our pick for bad credit: Montgomery Ward Credit
- See if you prequalify
- Buy now, pay later on Montgomery Ward purchases
- No annual fee
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Consider these factors when choosing a store credit card:
Store credit cards may be a great option if you have bad credit, but you might want to hit the brakes before applying. Weigh these pros and cons before settling on a store card.
A store credit card might be ideal if you already spend at the retailer that issues the card. Open a card only if you can make payments on time. Otherwise, you’ll take hits to your credit score.
If you’re not sure about a store credit card, consider these other methods to improve your credit score:
Store credit cards may be an option if you have poor credit. However, many of them require at least fair credit scores of 580 and above. If you have bad credit, consider applying for one of the products we’ve listed in this article. Also, consider a no-credit-check secured credit card, which may be a superior option.
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