Havertys Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Mar 14, 2023

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We generally only recommend Havertys Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.

Is Havertys Credit Card a good credit card for me?

Every situation is different, so it's hard to give a blanket recommendation on whether or not Havertys Credit Card is the right card for you.

However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.

Is Havertys Credit Card worth it?

There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Havertys Credit Card is worth it for you.

We recommend considering the following when looking into getting any credit card (as a starting point at least):

  • Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
  • Are there are signup bonuses available with this card?
  • What annual fees does it have?
  • Are there penalty APRs?
  • Does it have an interest free period, and if so, how long is it?
  • How does it's APR compare to other cards?
  • How does the rewards/points system work?

What are the approval odds for Havertys Credit Card?

The approval odds are going to be heavily dependant on your credit score, income & expenses.

If you have a credit score of 750+, you can basically get approved for most credit cards, including the Havertys Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.

What credit score do I need for Havertys Credit Card?

A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.

Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).

Improve your credit score BEFORE applying for Havertys Credit Card

If your credit score is preventing you from qualifying for Havertys Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.

Once we've improved your score for you, you'll be in a much better place to apply & get approval for Havertys Credit Card. Not to mention all the other benefits that come with a great credit score!

How to Maximize the Benefits of the Havertys Credit Card

To get the most out of your Havertys credit card, take advantage of the promotional offers available. Be sure to read the terms and conditions carefully, as some may have a minimum requirement or an expiration date. Regular use can help you build your credit score, but ensure you make timely payments so you don't get hit with any interest charges or fees.

Also, keep an eye out for exclusive sales and promotions offered exclusively to cardholders – this is a great way to save even more money.

The Benefits of Having a Good Credit Score

Having a good credit score has many benefits. You'll find it easier to get approved for loans, credit cards and other financial products, as well as better interest rates and terms which can save you money in the long run. It's also an important factor when it comes to renting an apartment or applying for a job – many landlords and employers check credit scores to assess your reliability.

Maintaining a good credit score can provide you with peace of mind, knowing that you have control over your financial future. To do this consistently make payments on time, keep your credit utilization low, and monitor your credit report regularly for errors.

Looking for help with Havertys Credit Card?

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