I don't have the card myself.
The average score is about 694 according to CreditKarma. CK did not list Overstock specifically. They listed First National Bank of Omaha VISA.
The data table showed that most people who carried the card were between the 701-750 range.
The showed CL by score:
601-650 range: $3206
Looks like they prefer UTIL under 20% at least. 49% of the people approved had 10% UTIL or less.
No comment if they are BK friendly. Doesn't seem like an easy card IMO.
Two months ago, I got pre-approval for Platinum Edition Visa. I applied online and I didn't instant approval. I checked the status on the following. I got approved for $15K. THey pulled EXP. I don't have any past due, charge-off or late. credit utilization is less than 1%.
I have a FNBO BucksBack Visa. They pulled EX, and also gave me a starting line of 15k.
For some reason thought the overall terms from a FNBO product would be somewhat more appealing.
Here's a slightly oddball fee:
So if you get it, don't ever lose it
No, it's not very appealing. Pretty straightforward rewards, nothing exciting at all. I thought about closing, but has nice CL for utliization which does report CL