Credit Card | Woman Within (2024)

FAQs

What credit score do you need for a woman within a credit card? ›

You need fair credit (i.e. a score of at least 660) to get the Woman Within Credit Card. Please note that variables such as employment status and ability to pay will also be considered.

Yes, you can use your rewards at all participating FULLBEAUTY Brands websites, including Woman Within, Jessica London, Roaman's, KingSize, BrylaneHome, Swimsuits For All, OneStopPlus, Catherines, Ellos, FullBeauty Outlet, Intimates For All, Shoes For All, June+Vie and Active For All, Eloquii and Cuup.

You read the right – it wasn't until 1974 and the passage of the Equal Credit Opportunity Act that women were finally able to apply for a credit card or a loan on their own, without a male co-signer.

Phone: Call Customer Care at 1-800-315-7260 (TDD/TTY: 1-800-695-1788). Comenity's EasyPay: Pay securely without setting up an account. Select here to pay.

That likely means a score of at least 670 on the FICO scale and more than 660 on the VantageScore scale. FICO scores are the most widely used, but both scoring systems represent the risk you pose to lenders on a scale of 300 to 850. The higher the score, the lower the risk.

If you have a bad credit score lenders will probably offer you cards with a relatively high APR. But remember, you won't be charged any interest if you make your repayments on time and pay the balance in full each month. Check the terms of your credit agreement to see if you'll be charged any other fees.

Paddy Sullivan, WalletHub Credit Card Advisor

You can use someone else's credit card if they let you. But if they don't give you permission, it's fraud - and that is a crime. If the card owner reports that card as being stolen or fraudulently used, the authorities will begin an investigation.

Letting someone use your credit card with permission could put you at risk for unexpected charges and complications with your account. Many credit card agreements do not allow for sharing of credit cards and doing so can result in legal consequences.

An Authorized User can be added by logging into your account and clicking on Services > Authorized Users or by calling our Customer Care Center at (866) 893-7864. The primary Cardholder will be liable for all purchases made on the Account, including those made by an authorized user.

While few credit cards allow joint cardholders, many credit issuers allow you to add your partner as an authorized user on your credit card. That way, your partner can use your line of credit to make purchases — and, in some cases, use your credit history to build their credit score.

Can my wife get the same credit card as me? ›

You can open a joint card or have the spouse with the lower credit score become an authorized user on the other's credit card. Just be aware that some cards charge a fee for authorized users.

Thanks to CFPB regulations, stay-at-home parents and guardians can apply for credit cards by listing household income on their applications, which can include a spouse's or partner's income.

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.

Comenity Bank is a financial services company offering credit cards, personal loans, "buy now, pay later" plans, high-yield savings accounts and certificates of deposit. The bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank.

If you default on any of your Comenity accounts, or with any of your other creditors, and you are unable to work out a solution with them, you will end up in collections.

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750.

According to credit bureau Experian's data from the first quarter of 2020, women and men now share an average FICO credit score of 705. This is a 1-point increase for women from the second quarter of 2019 and about a 10-point increase for both groups since the second quarter of 2015.

The bottom line

If you don't have a job but share a household with a spouse or partner (or someone who lets you have “reasonable access” to their income), you can be approved for a credit card by listing household income.

The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.