How To Pay Your Overstock Credit Card: Online, Phone, or Mail

Are you looking for cheap yet classy furniture and home decor stores? If yes, Overstock is the best option with its massive range of furniture, rugs, and other home items. Overstock also offers an exemplary Credit Card Program. 

Overstock Credit Card is a must-have for furniture shopping with no annual fee and various reward options. It also offers unique financing options of up to 24 months on qualifying purchases. In this blog, you’ll explore the perks of using Overstock Credit Card and how to log in, apply and register for it. So, let’s get right into it!

Benefits of Overstock Comenity Bank Credit Card

Overstock Credit Cards are issued and managed by Comenity Bank.

• No annual fee, so you don’t have to worry about extra costs.
• You can enjoy financing options of up to 24 months on qualifying purchases. 
• You get special birthday offers.
• You can experience exclusive cardholder events and get early news of upcoming sales and discounts. 
• You earn a $30 reward on your first order of $300 without any financing options. 
• You can manage your Overstock Credit Card from your mobile phone with the online accessibility feature.
• Overstock Credit Cards don’t have an expiration date, so you can use them as long as you wish to. 

Online Account Access

If you’re an Overstock Credit Cardholder, you can access your account online anytime, anywhere. With Online Account Access, you can view your account balance, make payments, set up account alerts, and more. Plus, it’s free to register!

If you still haven’t applied for Overstock Credit Card, here’s how to do it:

1. Go to the official Overstock Credit Card website.
2. Click on Apply button.
3. On the following page, enter your Overstock.com account login credentials. 
4. Click on the Sign In button. 
5. Enter the required details on the next page, such as your Name, Address, Phone Number, Email, Date of Birth, SSN, and Proof of Stable Income. 
6. Click on the Continue button. 
7. Review the terms and conditions section. 
8. Tick off the check box I Agree To The Terms & Conditions. 
9. Click on Submit Application button, and you’re done! 

Overstock Credit Card Login

If you are unable to access your Overstock Credit Card account, here’s how to do it:

1. Go to the official Overstock Credit Card account.
2. Click on the Sign In button. 
3. Fill out the required credentials, such as your Username and Password. 
4. Click on the Sign In button, and that’s it!

Register Online

If you still haven’t registered your Overstock Credit Card account, follow the given steps:

1. Go to the official Overstock Credit Card account.
2. Click on Register Now button. 
3. Enter required credentials such as your Credit Card Account Number, Zip Code, and Last Four Digits of SSN. 
4. Click on the Find My Account button. 
5. After identity verification, you will be able to set up your account. 
6. Select your Username and Password. 
7. Click on Confirm button and log in with the selected credentials!

Forgot Password

If you, by chance, forget your password, here’s how to set up a new one:

1. Go to the official Overstock Credit Card account.
2. Click on the Sign In button. 
3. Under the login section, click on Forgot Password option. 
4. Enter the required information on the following page, such as your Username, Zip Code, and Last Four Digits of SSN. 
5. Click on the Find My Account button. 
6. After identity verification, you can set up your new password. 
7. Select your New Password and Click on the Continue button. 

Forgot User ID

If you, by chance, forget your username, here’s how to retrieve it:

1. Go to the official Overstock Credit Card account.
2. Click on the Sign In button. 
3. Under the login section, click on Forgot Username option. 
4. Enter the required information on the following page, including your Account Number, Zip Code, and Last Four Digits of SSN. 
5. Click on the Find My Account button. 
6. After identity verification, you will get your Username. 
7. Note down your Username and login with it!

Overstock Credit Card Services

If you’re an Overstock customer, you may be wondering whether the company offers credit card services. The answer is yes! Overstock has a partnership with Comenity bank to offer credit cardholders a number of benefits, including cash back rewards, special financing options, and more.

Overstock’s credit card services are available to both new and existing customers. If you’re already an Overstock customer, you can simply add a credit card to your account and start using it right away. 

Overstock Credit Card Bill Pay Phone Number

The Overstock credit card bill payphone number is 1-855-810-2546. You can use this number to make a payment on your Overstock credit card bill. It will take you directly to a customer service representative who can help you with your payment. If you have any questions about your bill or account, you can also contact customer service at this number.

Overstock Credit Card Payment Address

If you need to make a payment on your Overstock Credit Card, you can do so by mailing a check to the following address:

Overstock Credit Card 

P.O. Box 659834

San Antonio, TX 78265-9134

Be sure to include your account number on the check so that it is properly applied to your account. You can also make a payment online or by phone. For more information, see the customer service page on the Overstock website.

Customer Service Hours

If you have questions related to Overstock Credit Card, contact them at 855-810-2546. Their working hours are Monday-Saturday, 8:00 AM – 9:00 PM EST, closed Sundays, and major holidays.

How to Pay Overstock Store Credit Card?

You can pay your Overstock Credit Card by the following methods:

Online

If you want to pay your Overstock Credit Card bill online, follow the given steps:

1. Go to the official Overstock Credit Card website.
2. Login to your Overstock Credit Card account. 
3. Go to the Payments section on the dashboard. 
4.  Click on the Make Payments option. 
5. Enter required card billing details. 
6. Click on Confirm Payment button, and you’re done!

By Phone

If you need to pay your Overstock Store Credit Card bill but don’t have a computer, you can still do it by phone. Here’s how:

1. Call the customer service number on the back of your credit card.
2. When prompted, enter your 16-digit credit card number.
3. Follow the prompts to pay your bill by phone.
4. Enter the amount you want to pay and confirm your payment.
5. Hang up and you’re done! Your payment will be processed within one business day.

By Mail

If you have an Overstock Store Credit Card, you can make your payments by mail. Here are the steps you need to follow:

1. Get an envelope, stamps, pen, and check or money order.
2. Write your account number on the back of your check or money order. This will ensure that your payment is credited to the right account. 
3. If you have any questions regarding your bill or account, include them in a letter and enclose it with your payment. 
4. Mail your payment to the following address: 

Overstock Credit Card 

P.O. Box 659834 

San Antonio, TX 78265-9134 

1. Keep your receipt or a copy of the cashed check or money order for your records. 

Make sure you allow enough time for your payment to reach the credit card company by mail. It is also a good idea to send your payment a few days before it is due to avoid late fees.

Via the Mobile App

Here’s how to pay your card bill via the EasyPay mobile app:

1. Open your mobile app. 
2. Go to the My Credit Cards section. 
3. Click on Overstock Credit Card. 
4. Click on Pay Card Bill button. 
5. Enter required details and click on Confirm Transaction button. 

How to Avoid Late Fees?

The only way to avoid late fees ($40) is to pay the minimum amount each month. If you’re not careful, you could end up paying a lot in interest and late fees. Here’s how to avoid those costly fees.

Make Your Payments on Time

This seems like an obvious one, but it’s important to make sure that you’re always making your credit card payments on time. If you’re even a day or two late, you’ll be charged a late fee. These fees can add up quickly, so it’s important to be diligent about making your payments on time.

Pay More Than the Minimum Payment

If you can, try to pay more than the minimum payment each month. This will help you pay off your balance quicker and avoid paying interest on your purchases.

Use Automatic Payments

If you’re worried about forgetting to make a payment, you can set up automatic payments with your credit card company. This way, your payments will be made automatically each month and you won’t have to worry about missing a payment.

Keep Your Balance Low

Another way to avoid paying interest is to keep your credit card balance low. If you only use a small portion of your credit limit, you’ll be less likely to pay interest on your purchases.

Don’t Close Your Account

If you’re no longer using your Overstock Store Credit Card, you may be tempted to close your account. However, this can actually hurt your credit score. Instead of closing your account, consider keeping it open and using it sparingly. This will help improve your credit utilization ratio and boost your score over time.

By following these tips, you can avoid paying high-interest rates and late fees on your Overstock Store Credit Card. Just be sure to make your payments on time and keep your balance low to avoid costly fees.

FAQs

What Credit Score Do You Need for Overstock?

To be approved for an Overstock credit card, you will need a credit score of at least 580. This is on the lower end of the average credit score range, which means that you may be able to get approved even if your credit isn’t perfect. 

If you’re not sure what your credit score is, you can check for free using a service like Credit Karma. Once you know your score, you can begin shopping for an Overstock credit card that’s right for you.

Does Overstock Do a Hard Credit Pull?

When you apply for a credit card, loan, or other types of borrowing, the lender will usually do a “hard” credit pull. This means they’ll look at your credit report and score from one or more of the main credit bureaus.

Lenders use this information to help them decide whether to approve your application and what interest rate to charge you. Hard inquiries can also slightly lower your credit score.

What Bank Is Overstock Credit Card?

Overstock Credit Card is issued by Comenity Bank. Comenity Bank is one of the leading credit card issuers in the United States. The bank offers a wide range of credit cards to suit the needs of different consumers. Some of the popular Comenity Bank credit cards include store-branded cards, travel rewards cards, and balance transfer cards.

How Do You Get Approved for an Overstock Credit Card?

To get approved for an Overstock credit card, you will need a minimum credit score of 580. This means that if your score is below 580, you may still be able to qualify for the card but you will likely have to pay a higher interest rate. 

There are a few things you can do to improve your chances of getting approved, such as paying your bills on time and maintaining a good credit history. You can also try to apply for a secured credit card, which is easier to get approved for than an unsecured card. 

Final Considerations

Overstock Credit Card is the best addition to your wallet if you are an avid shopper at Overstock stores. With Overstock Credit Card, you can enjoy various rewards, discounts, and VIP experiences. Although, the Overstock credit card can only be used at Overstock stores, as it is a store-specific card. If you pay the Overstock Credit Card bill timely, you can enjoy many perks.