Wayfair Credit Card Approval Odds

Wayfair Credit Card Approval Odds

Wayfair has two credit cards (in collaboration with Citibank) which you can be eligible to be approved for. There’s one called the Wayfair Mastercard that can be used wherever Mastercard can be used. Then there’s the Wayfair credit card (sometimes referred to as its Wayfair credit card) which is only available by Wayfair. If you are applying for the Wayfair credit card you don’t pick one of the cards. Instead, you’re evaluated for the Mastercard followed by consideration as a store credit card. Based on your credit score you could be offered an option of either card or you could get one, which is the Wayfair credit card. (You might also be declined to both cards.)Wayfair Credit Card 

Wayfair as with many other companies is eager to place its credit card into the hands of customers. It is therefore more straightforward to get approval for the Wayfair credit card than the bank credit card issued by one of the main card issuers.

wayfair credit card approval odds

Wayfair Mastercard Approval Odds / Credit Score Needed

People with better credit scores are more likely to be accepted for the Mastercard. What is a “higher credit score”? Most likely, it’s 650 or higher. If you’re in the 650 range chances of approval to be approved for the Mastercard are very high. If you’re rejected with a 650 score or higher, you’re likely to be accepted by a Wayfair credit card. Wayfair credit card which is only accepted at Wayfair.

If you have less than the 650 mark chances are less. With a credit score above 600, it will give you a 50-50 probability; less than 600 is not likely to be accepted to apply for the Mastercard.

Wayfair Credit Card Approval Odds

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Wayfair Store-Only Credit Card Approval Odds / Credit Score Needed

Also, a credit score above 650 could mean a nearly 100% chance of being approved with the shop-only Wayfair card. If you score less than 650, chances are still high for approval until you reach 580 on your credit score. If your score is lower than 580, you’re very likely will be turned down completely.

It is important to note the fact that your score on credit will not be the sole factor in determining your chances of being accepted by the Wayfair credit line or credit card. Other factors like income, the number of new accounts as well as the ratio of credit card debt (debt relative to credit lines that are available to you), and many other variables can be considered more closely when deciding the eligibility of your application.

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