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Card Basics

 

Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
Store Poor Credit, Limited Credit Consumer $0* N/A* 5.5%* - 23.99%* None 25 Days*

Choose n Charge from Seventh Avenue

Choose n Charge® from Seventh Avenue

Quick Summary:
This Store offer is issued by Seventh Avenue. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 5.5%* and may be as high as 23.99%*, depending on your credit worthiness*.

Important Rates:
The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 591 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Choose n Charge® from Seventh Avenue is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 591, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

Choose 'n Charge: the convenient credit plan from Seventh Avenue ®

  • BUY NOW, PAY LATER. No down payment (subject to final credit approval)
  • Monthly payments as low as $20 (see payment terms)
  • Use it for online and catalog orders
  • Earn higher credit limits as you build your credit with us


Other Remarks:

APR's fluctuate, 21% up to $750; 18% over $750



* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

 

 


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Consumer Card Rate Comparison

APR5.5%* - 23.99%*
Avg. APR16.43%**
Annual Fee$0*
Avg. Annual Fee$5.09**

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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Application and Other Information

 

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