Masseys Catalog Credit Card
Masseys catalog credit is an in-house financing program offered by the U.S. catalog retailer Masseys.com, a subsidiary of Mason Companies, Inc.. It allows customers to make purchases and pay for them over several months with a low monthly payment.
Masseys Credit Card
- Buy Now and Pay Later with Masseys Credit
- Grow your credit with responsible use
- Masseys Credit Lines Up To $500!
- No annual fee
- Payments as little as $5.99 per month
- Conventient online account access
- CLICK HERE TO APPLY ONLINE
*See Card Terms and Conditions
How Masseys Catalog Credit works
- Application: You can apply for the credit account by pre-qualifying on the Masseys website.
- Credit check: The pre-qualification process is advertised as having no impact on your credit score. However, a hard credit inquiry may occur later.
- Account usage: Once approved, the credit can be used for purchases exclusively at Masseys.com. The account is separate from those of its related companies, like Stoneberry or Mason Easy-Pay, and must be managed on the Masseys website.
- Credit limits: According to customer service information, Masseys reviews accounts several times a year for potential credit limit increases, though individual requests are not accommodated.
What to consider before applying
- Target audience: This type of financing is often aimed at consumers with poor credit who may not qualify for conventional credit cards.
- Fees and rates: While the program may advertise low monthly payments, consumer complaints have highlighted high finance charges and other fees.
- Customer complaints: Mason Companies, Inc., the parent company, has received numerous customer complaints through the Better Business Bureau (BBB). These involve billing and collection issues, unauthorized credit checks, and poor customer service. The BBB has given Masseys a poor rating.
- Payment protection: Masseys offers an optional "Payment Guardian™" program for a monthly fee based on your balance.
- Fraud protection: Customers have reported fraudulent accounts being opened in their names and issues canceling orders or accounts.
Alternatives for building credit
Given the numerous complaints about Masseys catalog credit, consumers looking to build or repair their credit may consider alternative options that offer greater transparency and better long-term financial benefits.- Secured credit cards: Require a refundable security deposit, but can be used anywhere and are specifically designed to help build credit responsibly.
- Unsecured subprime cards: Offer access to credit for those with less-than-perfect credit, though they often come with high interest rates and fees.
- Alternative credit services: Some financial technology companies offer services that report on-time utility and rent payments to credit bureaus, helping to build credit history without opening a new card.
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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