- See if you are pre-qualified instantly, without affecting your credit score
- Less than perfect credit is okay
- Credit lines up to $500
- Payments as low as $5.99 per month (subject to final credit approval)
- Automatic reviews for credit line increase opportunities
- Buy now, pay later! One stop shopping for name brand shoes, apparel and more!
Poor, Fair, LimitedCreditWeb considers the following based on credit types:
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A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. A credit score below 600 is considered poor credit. 2
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It's somewhat hard to come by a shopping card that does not have an annual fee. Like any interest debt account, we always recommend that you pay your balance as soon as you can to help avoid interest charges. To find out your interest rate, look at Masseys credit terms. Your rate will be listed by the state of your residence. This is from Masseys credit terms: "If the New Balance shown on your monthly statement is not paid in full within 25 days of the statement date, a FINANCE CHARGE will be added to your account calculated at the following rates..."
With Masseys Credit, you can find bedding, kitchenware, electronics, jewelry and other household items. We have not shopped on their product catalog, and have not yet received feedback on user experience regarding efficiency, prices or customer service.
Credit limit increases are considered up to 2 times per year.
On the downside, Masseys does not report your monthly payments to the credit bureaus, but will report if you fail to meet your credit obligations such as late payments.
This credit account makes sense if you are looking for a line of credit with no annual fee - and you are not interested in building credit with this account.