Restoration Hardware Credit Card

  • Preferred Financing Options for RH Members
  • RH Financing*
  • A Customized Credit Card Payment Option
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Personal $0* N/A* N/A* 27.24%* None


Quick Summary:
This Store offer is issued by Comenity Bank. 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. Rates may vary among applicants, however the lowest standard APR is 27.24%* (Variable)*.

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, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 482 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 Comenity Bank product.

Other Basics:
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 was 1 person that reported the application status to us after applying. The applicant was not approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

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 482, 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.

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