Where can I submit my Dillard's Store credit card application?

Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureaus may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report. Wells Fargo doesn't publicly disclose if it uses one of the three credit bureaus more than the others.… read full answer

Here’s what you should know about your credit report:

• When you apply for a Wells Fargo credit card: During its review of an application, Wells Fargo will generate a hard "pull" or inquiry of your credit report through one of the three credit bureaus. A hard pull may have a slight negative impact on your credit report, so try not to apply for too many credit cards in a short period of time. Hard pulls may stay on your credit report for at least two years, but any negative effects tend to diminish over time.
• How to access your report: You are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.
• How to fix errors on your credit report: If there are any discrepancies, you can dispute them by contacting the appropriate bureau directly and have it removed before you apply for a Wells Fargo credit card.

Also, checking your own credit report is known as a "soft pull". A soft pull does not affect your credit score, so you're not penalized if you need to pull multiple copies of your credit report.

Keep in mind that most Wells Fargo credit cards require good credit or better. If you don't know where you stand, you can get free credit reports, with daily updates and credit scores, right here on WalletHub.

Yes, the Dillard's Store Card will do a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair for high chances of approval This is on par with what most store cards require.

You can check if you pre-qualify for the Dillard's Store Card on the issuer’s … read full answerpre-qualification page. This will not affect your credit score as it will result in a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.

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 by reading this article.

The credit score needed for the Dillard's Store Card is 640+. This means that you need at least fair credit to qualify for this card.

But your credit score isn’t the only thing the issuer will take into account while considering your application. Various other factors will also determine the outcome, like your credit history, income and any debts you might have.… read full answer

At this point, it is worth noting that you can check out your credit score for free on WalletHub to see where you stand.

Ultimately, if your credit score is higher than 700, you might be better off applying for the Dillard's Credit Card.