Choose n Charge® from Seventh Avenue

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Budget-Friendly Benefits Include

  • Low monthly payments starting at $20 a month
  • No annual fees
  • Credit line increases
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Above Average Credit, Fair Credit, Limited Credit Personal $0* N/A* N/A* 5.75%* - 23.99%* None


Quick Summary:
This Store offer is issued by Seventh Avenue. This card is intended for consumers, or "personal use" with an above average credit history. APR's may vary among applicants, however the lowest standard APR is 5.75%* and may be as high as 23.99%* Fixed, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. 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 586 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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/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, a credit score alone does not guarantee or imply approval for any Seventh Avenue product.

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 new purchases during this time.

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

Approval Rate:
There were 4 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved.

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 586, 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, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 4 users recommend this card.

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