What is the Credit One Platinum Card credit score requirement?

The minimum credit score requirement for a Credit One credit card is 300-640, depending on the card. Credit One credit cards are available to applicants with credit scores ranging from bad to fair credit, or better, so it's possible to be approved despite damaged credit or limited credit history. And if your credit score is below the threshold needed for a credit card from Credit One, it’s best to wait to apply until you meet the credit score requirement.… read full answer

You can check your credit score for free on WalletHub.

Credit One Credit Score Requirements by Card

• Credit One Bank® Platinum Visa® for Rebuilding Credit: 300 (Bad credit)
• Credit One Bank® Platinum Visa®: 640 (Fair credit)
• Credit One Bank® Platinum X5 Visa®: 640 (Fair credit)

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 a Credit One 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.

You may get a Credit One credit limit increase automatically, but you can also request a Credit One credit limit increase online or by calling customer service at (877) 825-3242. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Credit One has on file. Credit One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer

How to Get a Credit One Credit Limit Increase Online

1. Log in to your online account.
2. Choose the Credit One card for which you're requesting the increase (if you have more than one card).
3. Click "Settings," and then "Credit Line Increase."
4. Enter your required information and click "Continue".
5. Confirm the information and click "Submit" to complete the request.
6. You should receive a decision in just a few seconds. If you're approved for a Credit One credit limit increase, the new limit will be effective immediately.

Impact of a Credit One Credit Limit Increase on Your Credit Score

When you request or get an automatic Credit One credit limit increase, Credit One will conduct a soft pull of your credit report, which does not affect your credit score.

The easiest Credit One credit card to get is the Credit One Bank® Platinum Visa® for Rebuilding Credit because applicants can get approved with bad credit. This means the odds of approval are good even with a credit score below 640. On the other hand, the other Credit One credit cards are pretty easy to get too.

Easiest Credit One Credit Cards to Get

• Credit One Bank® Platinum Visa® for Rebuilding Credit: accepts bad credit
• Credit One Bank® Platinum Visa®: requires fair credit or better
• Credit One Bank® Platinum X5 Visa®: requires fair credit or better

Having one of these Credit One credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.