How to Pay Your Montgomery Ward Bill: A Step-by-Step Guide

Montgomery Ward is a retail company that issues its own credit card for customers to finance purchases. If you have a Montgomery Ward credit account, it’s important to know how to pay your bill quickly and easily each month. This comprehensive guide will walk you through the various ways you can view your statement and make a payment in just minutes.

Why Pay Online?

Paying your Montgomery Ward bill online has several advantages:

  • It’s fast and convenient – Make a payment anytime without having to call or mail anything

  • Avoid late fees – Online payments post instantly, so you don’t have to worry about your bill arriving after the due date.

  • Payment history: For easy access, your account dashboard keeps track of past bills and payments.

  • You can pay any amount, from the full balance to a partial payment.

  • Auto-pay – Set up recurring payments directly from your bank account.

  • No fees – Montgomery Ward does not charge extra fees for online or phone payments.

Step 1: Locate Your Account Number

You’ll need your 16-digit Montgomery Ward credit account number to register online or check your balance/make a payment. Here’s how to find it:

  • On your monthly paper statement, the account number is located at the top.

  • It’s also printed on the front of your Montgomery Ward credit card.

  • Look for a past email or text notification – your full account number will be referenced.

  • Call customer service at 1-800-966-4449 if you still can’t locate your account number.

Be sure to have your account number handy before you get started with online bill pay.

Step 2: Register for Online Access

If it’s your first time paying online, you’ll need to create an account profile:

  1. Go to MontgomeryWard.com and click on “Credit Account” in the top menu.

  2. On the login page, click “New User Registration” below the username/password fields.

  3. Enter your account number, security code, and email address.

  4. Create a username and password and agree to the terms of use.

  5. You’ll receive a verification code via email. Enter it to complete your registration.

Now your Montgomery Ward account is connected to your new online profile!

Step 3: Make a One-Time Payment

To quickly make a single bill payment:

  1. Log into your account at MontgomeryWard.com.

  2. The dashboard displays your account balance – click “Make Payment”.

  3. Choose the amount to pay and select a payment method.

  4. Review payment details and submit.

The payment will instantly post to your account. Your new balance will update right away on the dashboard.

Step 4: Enroll in Auto-Pay

For hands-free, automated payments each month:

  1. Log into your account and click on “Auto Pay” in the left menu.

  2. Check the box next to your Montgomery Ward account number.

  3. Select when and how much to pay every month.

  4. Enter bank account or debit/credit card details.

  5. Review and accept the auto-pay terms.

Now your bill will be paid automatically each month!

Other Ways to Pay Your Montgomery Ward Bill

In addition to online payments, you have a couple other options:

  • By phone – Call 1-800-966-4449 to pay with an automated system or live agent.

  • By mail – Send a check or money order to the payment address printed on your statement. Allow 7-10 days for delivery.

  • In-store – Some Montgomery Ward locations accept credit account payments at checkout.

  • Montgomery Ward mobile app – Download the app and log into your account to pay anytime.

No matter which method you choose, be sure to schedule/send payments at least a few days before the due date allowed on your statement. Online and phone payments post instantly, while mailed payments take extra time.

Payment Tips & Reminders

  • The monthly minimum payment amount is displayed on your statement, but you can pay any amount above $10. Paying the full balance will avoid interest charges.

  • A late fee of $29 may apply if payment is not received within 10 days of the due date.

  • Save time and money by enrolling in paperless statements and setting up autopay.

  • Update your account information, payment methods, and notification preferences under “My Profile”.

  • The mobile app lets you manage payments on-the-go. Download the Montgomery Ward app for your Apple or Android device.

  • Contact customer service if you have any questions about your bill or need help making a payment.

Paying your Montgomery Ward credit card bill is quick and easy when you use one of the online or mobile options. Sign up for account notifications so you never miss a payment due date.

Frequently Asked Questions About Montgomery Ward Bill Pay

Still have some questions about managing your account and paying your bill? Here are answers to some commonly asked questions:

How do I find my Montgomery Ward account number?

Your account number is located on your monthly billing statement, credit card, and account emails/texts. It is 16 digits long. If you cannot locate it, call customer service for assistance.

What is the Montgomery Ward customer service phone number?

You can reach a customer service representative by calling 1-800-966-4449. This number can be used for general questions, to get your account number, or to make a payment over the phone.

What are the options for paying my Montgomery Ward credit card bill?

Payments can be made online, through the mobile app, by phone, by mail, and at some in-store registers. Online and phone payments are fastest, while mailed payments take 7-10 days to process.

Is there a fee for paying my bill online or by phone?

Montgomery Ward does not charge a fee for online, phone, mobile app, or mailed bill payments. Paying via a live agent by phone incurs a $3 fee.

When is my Montgomery Ward bill due?

Your payment due date is listed on your monthly statement. It is usually around 3 weeks after the end of a billing cycle. Pay attention to the exact due date each month to avoid late fees.

What happens if I pay late?

A late payment fee of $29 may be charged if your payment is received more than 10 days after the printed due date each month. Pay on time to avoid fees.

Can I set up automatic bill pay?

Yes, you can log into your account online and enroll in auto-pay. This will pull your monthly payment from a checking account, debit card, or credit card automatically on the due date.

How do I change my due date?

To request a new due date, contact Montgomery Ward customer service. They will review your account and may adjust your billing cycle and payment due date.

Keeping up with monthly payments is easy when you understand how to check your balance and make payments through MontgomeryWard.com or the mobile app. Enroll in autopay or schedule reminders to avoid late fees.

Pay My Montgomery Ward Bill

Can Montgomery Ward Credit negatively affect my credit score?

Consistent, timely payments are the key to building a positive credit history. Therefore, having an open account of any type that has a history of delinquency and missed payments will almost certainly have a negative impact on your credit score. Beyond that, credit scoring is a complex process that is based on many factors, so it is difficult to say with certainty what impact any single factor will have on any given consumer’s credit score. It is highly unlikely, however, that having a revolving line of credit in good standing with a company like Wards will adversely affect your credit score.

My catalog said I was approved for a certain amount; why couldn’t I buy a certain product right away?

Wards may not approve your request for credit in the full amount for a number of reasons. If we are requesting payment in full, it means we have found a significant issue with your request, including:

  • Non payment of a previous Wards Credit account
  • A fraud alert or other restriction on a credit report that does not allow credit to be extended
  • An inability to verify your identity

If we have asked you to pay some portion of your order total prior to shipment it is generally because:

  • You have exceeded your pre-approved credit limit
  • You have a payment issue with an affiliated company

Wards.com Credit – Buy Now, Pay Later Shopping

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