Your Discover it® Secured Credit Card approval odds are pretty good, even with bad credit. Discover it Secured Credit Card was designed for building or rebuilding credit, which means you can get it despite being a newcomer or having a bad score. As long as you have at least $200 to put down for the mandatory security deposit, which serves as your credit line, your odds are very good. But nothing is guaranteed. In particular, Discover names three reasons why you might not be approved: not enough income, too much debt, or a pending bankruptcy. You can look into whether those exclusions apply to you by checking both your latest credit report and your personalized credit analysis, which you can get by signing up for a free WalletHub account.
In general, secured cards have the highest approval rates of any credit cards because there’s little to no risk to the issuer. They can just keep your security deposit if you don’t pay your balance, after all. If you do get denied, Discover will tell you exactly why in their response. But you don’t necessarily have to give up there. You’re allowed to call Discover at 1-800-347-2683 and ask them to reconsider your application.
And if you’re still denied after reconsideration, you’re not completely out of options. Becoming an authorized user on a friend’s or family member’s credit card account can help improve your credit, at least to the point where you can qualify for your own card. You may also want to check out our ”guaranteed approval” credit cards page to see if there are any offers available that don’t require a credit check.
Kind of. The bad score won't really be a problem, as that's what secured cards are for. With that said, it depends on where you are at with your bankruptcy. If it's not discharged, and still fresh, they might deny you. Best to just wait a while. If it's discharged, you still have good odds.
The Fingerhut Credit Account is the easiest unsecured card to get approved for. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
The best pre-approved credit cards are really just the top cards that you can see if you pre-qualify for before actually submitting an application. And you can’t check to see if you pre-qualify for one card in particular, at least not directly. Rather, a credit card company will tell you which of its cards you’re pre-approved for. If that happens to include the card you’re targeting, you’ll know your odds of being approved are … read full answerextremely high, should you decide to apply. If your chosen card isn’t listed, there’s still a chance you could get approved, but it’s not a good sign.
Checking for pre-approval is definitely a good idea. It lets you gauge your chances of success before risking a hard pull on your credit. And the better your credit is, the better the credit cards you pre-qualify for will be, too. Your odds of actually getting approved when you apply will also be higher.
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