Hello, Ive been following this subreddit for around 5 months or so now and learned a lot of stuff on financing and getting out of debt, but.
· Consumers with credit scores in the 800 to 850 range have made it to the top of the credit score food chain. These consumers typically have several years worth of positive payment history across multiple accounts, low utilization rates, and diverse credit profiles that show they can responsibly handle any kind of credit.
How to use our credit score guidelines for credit card approval. Once you know or estimate your credit score, avoid being declined when you shop for a new credit card by choosing a card for which you have an above-average chance of approval.. If you walk into a bank for a loan or apply for a credit card online, you have no idea what credit score is required to get approved.
Instant approval credit cards are cards that evaluate your application in real time. While most applicants are able to get a decision – either approved or denied – right away, that depends on the credit card.
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· You’re more likely to be approved when you apply for a credit card you’re qualified for. For example, if you do not have much credit or you have bad credit, you probably won’t be approved for a premium rewards credit card.Some credit card issuer websites tell which credit cards are for excellent, average, or bad credit.
It doesn’t instantly get easier to get a credit card after you’ve been approved for the first one. Until you’ve built several months of solid credit history-paying on time and managing your credit card balance- other credit card issuers may still be cautious about approving you for a credit card.
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If you’re struggling to get a credit card, it’s more than disappointing to get rejection after rejection. You will get an adverse action letter that explains why you’ve been rejected, but maybe you don’t want to wait the 7-10 business days for it to get there.
6 Surprising Reasons You Can’t Get That Credit Card.. On a related note, if you already have multiple cards from the same issuer, you may not be approved for another one, Arnold says.