Overstock Credit Card Payment, Login, and Customer Service

How to Log In to an Overstock Credit Card?

The Overstock Credit Card is a Mastercard issued by Citi that offers rewards for shopping at Overstock.com and other categories. It has no annual fee and comes with a free membership to Club O, which is Overstock’s loyalty program. However, the rewards can only be redeemed for future Overstock purchases, so it is not very flexible. To log in to your Overstock Credit Card account, follow these steps:

1. Visit the official Overstock Credit Card website.
2. Click on the "Sign In" button at the top right corner.
3. Enter your Username and Password.
4. Click "Sign In" to access your account.
5. For new users, click "Register for Online Access" below the Sign In button. Complete the registration using your credit card account number, ZIP code, and identification details.

Overstock Credit Card Payment

Paying your Overstock Credit Card is most convenient through online transactions or a phone call to (833) 714-0051. Another option is mailing a payment. Additionally, cardholders have the option to establish automatic payments for added convenience. Ensure mail payments are sent at least 5-7 days before the due date, including your credit card number on the check. Automatic payments can also be set up for convenience. To pay your Overstock Credit Card, you have multiple options:

Online

• Log in to your account, click on "Make a Payment," and specify the amount, timing, and payment source.

Over the phone

• Call (833) 714-0051, and follow the prompts to enter your card information.

Via mail

Send a check or money order (no cash) to:

• Overstock Mastercard Payments, PO Box 70602, Philadelphia, PA 19176-0602

For express payments, use:

• Overstock Mastercard Overnight, Delivery/Express Payments, Attn: Consumer Payment Dept, 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213

Overstock Credit Card Customer Service

For inquiries related to your Overstock Store Credit Card, contact Alliance Data, the card service provider, at 1-855-810-2546 (TDD/TTY: 1-888-819-1918). Remember to include your credit card account number on the payment memo line if mailing a payment. To reach Overstock Credit Card customer service, you can:

• Call (855) 810-2546, available Monday-Saturday, 8:00 AM – 9:00 PM EST, closed Sundays, and major holidays.
• Chat online by logging into your account and visiting the Contact Us section on the official website.

Send mail to:

• Overstock Credit Card, P.O. Box 9001006, Louisville, KY 40290-1006

MarketsHost extends a warm invitation to explore the multifarious aspects of Credit Cards, providing invaluable insights that empower you to master your financial destiny.

What are the Benefits of Overstock Credit Cards?

Both cards provide unique benefits, with the Overstock™ Mastercard® offering rewards on specific categories, and the Overstock™ Credit Card providing a free Welcome Rewards Membership and special financing options.

Overstock Credit Card Fees and Charges

The Overstock Credit Card and Overstock Mastercard are provided by Citibank, N.A., and the registered service mark Citi and Arc Design belongs to Citigroup Inc. Let's talk about the costs you might encounter with the Overstock Credit Card and Overstock Mastercard. This includes details like annual fees, interest rates, and options for special financing. Understanding these aspects can help you manage your card wisely.

What is the Credit Score Eligibility for Overstock Credit Card?

The Overstock Credit Card, specifically the Overstock Store Card, tends to target individuals with a credit score of 640 or above. This means that applicants with fair credit or better have a reasonable chance of approval. It's crucial to understand that while credit score is a significant factor, other elements also influence the approval decision.

Factors such as income, current debt levels, the number of open accounts, recent credit inquiries, employment status, and housing status contribute to the overall evaluation. Demonstrating financial stability and responsibility in these areas can potentially offset a slightly lower credit score.

What are the Pros and Cons of Overstock Credit Cards?

The Overstock™ Mastercard®* functions like a standard retail store credit card but with a unique feature. It allows usage at various stores, enabling you to earn rewards on all transactions. However, these rewards are exclusively in the form of points, applicable solely towards future Overstock purchases. For dedicated Overstock shoppers, this card presents an opportunity to optimize rewards and cut down on expenses for Overstock acquisitions.

Pros of Overstock Credit Cards

• Enjoy complimentary Club O membership, unlocking additional benefits for Overstock purchases.
• Accumulate 5% points back on Overstock purchases, providing potential savings on future transactions.
• Benefit from promotional financing with 0% interest, easing the cost of larger purchases over time.
• The Overstock™ Mastercard®* comes with no annual fee, reducing the overall cost of card ownership.

Cons of Overstock Credit Cards

• The card carries a relatively high APR, meaning increased interest charges for balances not paid in full.
• Rewards are only redeemable as points for future Overstock purchases, limiting flexibility in reward use.
• To qualify for a lower APR, you may need to spend more, potentially discouraging those seeking a lower interest rate.