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

Last Updated: Apr 06, 2023

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We generally only recommend Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward 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 Montgomery Ward Credit Card

If your credit score is preventing you from qualifying for Montgomery Ward 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 Montgomery Ward Credit Card. Not to mention all the other benefits that come with a great credit score!

How to Get the Most Out of Your Montgomery Ward Credit Card

As a Montgomery Ward Credit Card holder, you can enjoy a range of benefits that can help you save money and build your credit. Make the most of them by taking advantage of the rewards program – with this, you can earn points on each purchase and redeem them for discounts. You should also look out for any special promotions or bonus points opportunities that could lead to faster rewards. Additionally, pay your balance in full and on time every month – this way, you avoid interest charges and late fees while building a positive credit history.

The Benefits of Having a Good Credit Score

Maintaining a good credit score is essential to qualifying for loans, credit cards, and other financial products. Make it happen – and enjoy lower interest rates, better terms, and greater financial flexibility – by using your Montgomery Ward Credit Card responsibly. This means making payments on time, keeping your balance low, and using your card regularly but sparingly. Not only will this help build and maintain a good credit score; it can also make it easier to rent an apartment, get a job, and even qualify for lower insurance premiums. So take advantage of all these benefits – manage your credit wisely, starting with your Montgomery Ward Credit Card.

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