You can apply for the Buckle Credit Card either online or at any Buckle store location. Keep in mind that in-store applications require you to present a valid government-issued photo ID. Unfortunately, phone applications are not possible for the Buckle Credit Card.
You will need a credit score of at least 640 (fair credit) to be considered eligible. Plus, the issuer will also consider other factors when looking at your application, such as your income or existing debts.
Yes, the Buckle Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Buckle Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.
The Buckle Credit Card credit score requirement is 640, at the minimum. That means people with fair credit or better have a shot at getting approved for the Buckle Credit Card.
Other Buckle Credit Card Approval Requirements
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Buckle Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Buckle Credit Card credit score requirement. You can check your credit score for free, right here on WalletHub.
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