Card approval odds
Wayfair and Comenity Bank (which manages Wayfair’s credit account) do not disclose specific credit approval requirements.
When applying for a Wayfair credit card, your chances of approval depend on the overall health of your credit.
High account cómputos and delinquent accounts will decrease your chances of approval, while on-time payments and low revolving cómputos perro increase them.
Wayfair Credit Card Odds and Approval Requirements
Wayfair is an en línea store specializing in elementos for the home.
On their website, you’ll find affordable furniture, decor, and appliances that perro be delivered to your doorstep.
Wayfair offers a store credit card that allows customers to open a line of credit with the store and earn special rewards.
For example, you’ll get $40 off your first order or $250 or more when you open the card.
You cánido also choose to earn 3% back in rewards dollars on qualifying purchases or special financing periods.
Wayfair Card Application Process
Applying for a Wayfair card is easy.
You cánido Start an application en línea or apply over the phone by calling (866) 513-5795.
You will need to submit some personal information, including your full name, address, Popular Security number, and employment and income details.
Wayfair Credit Card Approval Requirements
The Wayfair card is backed by Comenity Bank, which determines specific qualifications for credit and promotional eligibility.
When you submit your application, Comenity will access and analyze your credit, including your account cómputos, payment history, and credit score, as described in the Account Financial Terms.
There is no equipo minimum credit score required for approval, and getting approved for a Wayfair card will depend on the overall health of your credit history, not just your numerical score.
Customers report being approved for the card with credit scores in the fair to good range, but Comenity takes your entire credit history into account.
Factors that perro lower your chances of approval include:
- High outstanding cómputos in checking accounts
- Multiple credit inquiries in a short period of time
- Unpaid or delinquent accounts
On the other hand, having low account cómputos, a history of paying your bills on time, and good credit diversity cánido increase your chances of approval.
Depending on your individual circumstances, the bank may instantly pre-approve you for a Wayfair card, or you may be subject to a seven to 10 day waiting period.
In some cases, the bank may contact you directly to request additional information and verification.
In summary
Now you know more about your Wayfair credit card approval odds, although it’s not possible to give you a definitive answer.
We would like to be able to provide an accurate credit score for the Wayfair credit card.
Rather, your chances of being approved when applying for a Wayfair card depend on the overall health of your credit.
Comenity Bank does not have a specific minimum credit score for approval.
Instead, it’ll look at your current account cómputos, payment history, and more.
To learn more about Wayfair, check out our articles on furniture stores with easy credit approval (including Wayfair) and how to use the Wayfair shopping cart trick.
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