Dell Preferred Account
- Promotional Financing offers and future discounts (for qualified customers)
- No pre-payment penalty or annual fee
- Credit decision in seconds
- Zero % Liability on unauthorized charges
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit | Personal | $0* | N/A* | N/A* | 19.99%* - 29.99%* | None |
Quick Summary:
This Store offer is issued by WebBank. This card is intended for consumers, or "personal use" with a fair credit history. Rates may vary among applicants, however the lowest standard APR is 19.99%* and may be as high as 29.99%* (Variable)*, 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. It is normal for cards for fair and poor credit histories to not offer rewards.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 669 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 WebBank product.
Other Basics:
The grace period listed for the Dell Preferred Account is at least 22 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 19 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. 63% of those applicants were approved.
This card has a poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than 669, then your chance of approval
may be even greater.
Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give
instant approval decisions. Remember, this may not be true in all cases, where application information may
not be complete, questionable or for other reasons. When applying on-line, the system will normally show your
approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive
after your application is approved.
Community Opinion:
Based on community reviews, we found that
100% of 12 users recommend this card.
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