Apart from your credit score, the issuer also takes into consideration your overall financial picture, including your income and existing debt obligations. Your credit score can therefore only be used as a guideline.
Yes, the Menards 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 Menards 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 Lowe's Store Card credit score requirement is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
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 Lowe's Store 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
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Lowe's Store Card credit score requirement. You can check your credit score for free on WalletHub.
No, you can only use the Menards Credit Card at Menards and partners like Speedway, Holiday, Kwik Trip, Kwik Star stores and participating gas stations.
Menards Credit Card gets you a $10 rebate on the first $100 you spend. Plus, you earn ongoing rebates, issued as Menards merchandise certificates: 2% rebate on Menards purchases, and 1% rebate on purchases made at participating partners and brands.
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