Is a David’s Bridal Credit Card Worth Getting?

Weddings are momentous occasions; and for many brides and grooms, it unfortunately takes many thousands of dollars to get there. It seems like a bit much, but you can’t blame lovers for wanting the perfect day. That includes having the best dress on the aisle. All eyes should be on the bride on the big day, and that means a sizeable budget for the best wedding gown possible. When you’re shopping at David’s Bridal, you could get lucky with a $99 sale rack wedding gown; but that rarely happens. More than likely, you’ll be spending a few hundred to even a couple of thousand on your big white dress. To help brides fund the wedding gown budget, David’s Bridal offers a credit card for those who qualify.

What you need to know?

Apart from the ability to buy the wedding gown of your dreams, a David’s Bridal credit card has a few other benefits that you can enjoy and appreciate. You also don’t need to be the bride in order to enjoy these benefits either. After all, there are plenty of other occasions out there that call for a big get up.

If you find yourself with 4 or more weddings this year, it’s not going to matter whether you’re part of the bridal party or just a guest—it’s going to cost you money. A credit card will help you fund all the outfit expenses you’ll be having. As a cardholder, David’s Bridal will also notify you of upcoming sales and special offers, so you can save even more money in the end. You should know that David’s Bridal sells more than just wedding attires. They also have a great selection of semi-formal and formal attires for various occasions. In addition to that, you’ll also get early access to the latest releases of the season. After all, there’s no better way to attend a party than by being the best dressed in the room.

When you become a David’s Bridal credit card holder, you can take advantage of no annual fees. You’ll never have to worry about this amount coming out of your balance, so every single bit of your credit can go towards your purchase. You’ll be able to access all the information about your credit card online. You can make your payments, view your balance and your purchase history, and more.

You’ll also have access to special financing, as long as you pay off your entire balance within 6 months of purchase. This is a great opportunity for many brides and grooms that are looking to break apart the huge chunk of bridal attire expense. Otherwise, you’ll have to deal with the high 26.99% APR. That may not be such a big issue if you’re only using the credit card sparingly. But either way, that APR is pretty high compared to other credit cards out there. You’ll also have to make sure that you pay your minimum payment due on time. Otherwise, you’ll have to pay the extra $35 late payment fee. There’s also a $35 charge for any returned payments. Just keep in mind of these charges because they add up quickly if not dealt with properly.

The last thing you’ll need to know about this credit card is that you’ll need to have more than an average credit score to get approved. It’s rare for anyone with just an average credit to get this credit card, and it most certainly will never happen if your credit score is poor.

Is the credit card worth getting?

Ultimately, if you’re in dire need of financial assistance for your wedding, the David’s Bridal credit card can help you out tremendously. However, if you can afford your wedding expenses, you shouldn’t bother with this credit card. The APR is way to high to have to deal with, and it’s essentially not saving you any money in the long run. Your best option in the event that you still need financial assistance is to look for a different credit card that has lower APR charges. This way, you can get the financial help you need to fund the wedding attire of your dreams without suffering later on with fees and extra charges.

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