Montgomery Ward® Credit

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3.0 out of 5 stars
4 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

3 5

These reviews were written by current and former cardholders in the last year.

Jan 09, 2017
It's ok
Anonymous Cardholder

When I first got the card missed few payment not knowing the fee which is 25 for miss payments or late fees , after that start paying on time for a good 3 months they increase my credit to 700 good if you make payments on time

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Dec 03, 2016
STAY AWAY Will NOT help you!
1forthedogs Cardholder

This is NOT the same Montgomery Ward's retail from before--someone bought the rights to the name and set up this online store. If you want a line of credit to just be able to get some things with payment plans--they are fine. BUT if you are getting this to establish credit do NOT waste your time, this will NOT help. First, they DO a hard inquiry the very first time you order something and they will assign you a "limit", but payments do NOT get reported to any credit bureaus. Secondly, the next time you place an order they will hit your credit AGAIN with another inquiry, but again any payments you make do NOT get reported. They also may ask you for a downpayment before they will process your order, for example, if you order something for $50, you may be asked to pay $20 BEFORE they will ship it. They DO also charge "shipping and handling fees", so what might have cost you $400 is suddenly now $526. At least Fingerhut DOES report your payments to the credit bureaus and will NOT hit your credit with inquiries every single time you place any orders. 

So, if you really want to establish credit go with Fingerhut or with the Comenity Bank retail cards that are out there--they will report to the bureaus and help you out--NOT Montgomery Wards.

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Jun 30, 2016
ladydee721 Cardholder

have been doing business with this company for almost 2 yrs, and my payment is never missed. Credit limit is now 1000.00

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Apr 15, 2016
ghreyinc Cardholder

Pros: 1.they wil ship out items on time and process orders relatively quickly.

2. no hard inquiry when applying.

Cons: 1.they DO NOT REPORT GOOD PAYMENT HISTORY. but they WILL report missed payments.

2. limited inventory.

3. slighly higher prices/ non competitive pricing

My personal experience: applied for the card with the intent to build credit(563tu 565eq) back in dec 2015. as of today no payments has been reported. i also opened a secured capitol1 card in dec. it did not report until march 2016, so i assumed this acct would soon show up on my credit report with 3mo of ontime payments. it did not. since there is not very much info out there about this catolog card I was duped. LEARN FROM MY MISTAKE if you intend to build credit. I recommend Fingerhut, they post payments and increase credit limits in 2-3mo intervals with on time payments. I will be closing this account this month. --

good luck 

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Jun 06, 2016

You helped me out so much with this review! Ward sent me a letter the day the package was suppose to arrive(I paid the down payment) and it stated that if I didn't want to product under the circumstances of not having a credit line that I can send the package back. Well thanks to your review I know exactly what I'm going to do. What makes it even worse is that they supposed to have been tracking the package and told me it was going to arrive today...No package!!....SMH

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Montgomery Ward® Credit