How Hard Is It to Get a Havertys Credit Card?
Havertys is a well-known furniture retailer that offers customers the option of obtaining a Havertys credit card. With this credit card, customers can take advantage of special financing options and exclusive promotions. However, many individuals wonder just how hard it is to get approved for a Havertys credit card. In this article, we will explore the requirements and process for obtaining a Havertys credit card, as well as address some frequently asked questions.
Requirements for a Havertys Credit Card:
1. Credit Score: One of the key factors that determine your eligibility for a Havertys credit card is your credit score. While there is no specific minimum credit score requirement stated, it is generally recommended to have a fair to good credit score to increase your chances of approval. A credit score of 620 or above is typically considered fair, while a score above 700 is considered good.
2. Income: Your income is another important factor that Havertys considers when reviewing credit card applications. While there is no specified minimum income requirement, having a stable and sufficient income will increase your chances of getting approved. This shows the lender that you have the financial means to make monthly payments on your credit card.
3. Credit History: In addition to your credit score, Havertys will also review your credit history. A positive credit history, including a demonstrated ability to make payments on time, will increase your chances of approval. On the other hand, a history of late payments, defaults, or bankruptcies may negatively impact your application.
4. Age: To apply for a Havertys credit card, you must be at least 18 years old. Individuals under the age of 21 may need to provide proof of independent income or a co-signer.
Application Process for a Havertys Credit Card:
1. Online Application: The first step in applying for a Havertys credit card is to complete an online application. You will need to provide personal information such as your name, address, social security number, and employment details.
2. Credit Check: After submitting your application, Havertys will conduct a credit check to review your creditworthiness. This involves accessing your credit report from one or more credit bureaus.
3. Approval or Denial: Once your application and credit check have been reviewed, Havertys will notify you of their decision. If approved, you will receive your credit card in the mail within a few weeks.
Frequently Asked Questions:
Q: Can I use my Havertys credit card for purchases outside of Havertys stores?
A: No, the Havertys credit card can only be used for purchases made at Havertys locations or on their website.
Q: Are there any annual fees associated with the Havertys credit card?
A: No, the Havertys credit card does not have an annual fee.
Q: What are the financing options available with a Havertys credit card?
A: Havertys offers various financing options, including deferred interest plans and equal monthly payments.
Q: Can I combine my Havertys credit card with other promotions or discounts?
A: Yes, you can combine your Havertys credit card with other promotions and discounts offered by Havertys.
Q: Can I request a credit limit increase on my Havertys credit card?
A: Yes, you can contact Havertys customer service to request a credit limit increase. They will review your account and credit history before making a decision.
In conclusion, while there is no definite answer as to how hard it is to get a Havertys credit card, having a fair to good credit score, stable income, and positive credit history will increase your chances of approval. By understanding the requirements and process, you can better prepare yourself for obtaining a Havertys credit card and take advantage of the exclusive financing options and promotions it offers.