Montgomery Ward® Credit Reviews

Approval Odds

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2.5 out of 5 stars
6 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

2.5 5

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

Sep 04, 2017
Anonymous Cardholder

It's Ok To Me. They Dnt Report To Credit Agencies. :(

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Jul 21, 2017
Easy to get
Zhazella Cardholder

Its a merchant store card. No perks. Just easy credit. But it hasn't been reported to the credit bureaus. I tried to call and find out why and I have a $0 balance die now so the automated line just hung up on me. Not crazy about the huge shipping charges. But it was easy to use for Xmas n paid off by July.

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Jul 10, 2017
Anonymous Cardholder

They're easy to place an order but once it ships..Good Luck ..very hard I have my shipping date changed 3 times and delivery date

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May 04, 2017
Let other people change my information,
Anonymous Cardholder

They are rude,will not help, they lie

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1 Reply
Nov 12, 2017

Sorry you had that problem. Although I haven't, after several orders.
I've only had to contact customer service once. They were nice enough.

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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Montgomery Ward® Credit