Catalog Credit Cards

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Frequently asked questions

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What is a catalog card? The term "catalog card" is commonly referred to as credit offered to be used only in a specific catalog or store. These cards are not traditional credit cards such as Visa or MasterCard and often charge high fees. We emphasize to all applicants: Please be aware of these fees before applying for any of these offers.

What is guaranteed credit? The term "guaranteed credit" is commonly referred to as approval with no turndowns based upon credit ratings or employment status. It is especially important to read the "terms and conditions" of offers issuing guaranteed credit lines, as fees and rates may be higher than traditional lines of credit.

When will I receive my card? We recommend viewing the issuer's terms and conditions for further information.

What credit rating do I need to obtain approval for these offers? You are in the section for catalog cards for poor or no credit ratings. This means that you can have a record of poor credit or no credit at all. Generally, people with credit scores of 599 and under fall in this category. If you have a score of at least 600, you should go to the instant credit card offers section for people with average to perfect credit ratings.

What interest rate or terms will the issuer offer me? Please read the issuer's terms and conditions.

Is my credit report or score used in the approval process? Please read the issuer's terms and conditions.

I do not know my score, how can I obtain this? You can either request your report by mail (normally does not include your FICO score) or order a full credit report and/or score on-line. We strongly urge every consumer to obtain a credit report annually to ensure accuracy of data reported to the 3 major credit bureaus, Experian, Equifax and Trans Union.

My question was not listed here, how can I get help? Please go to our help and general frequently asked questions or contact customer service.

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