You GAP Credit Card approval odds are pretty good if you have a 700+ credit score. This means that you need at least good 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 like your credit history, income and any debts you might have will also matter.
If you find it hard to get approved for the GAP Credit Card, your chances might be better with the GAP Store Card. This card requires fair credit (640+) for approval.
The Fingerhut Credit Account is the easiest store credit card to get because you can get approved with bad credit. Things you can buy with the Fingerhut Credit Card include clothing, shoes, electronics, garden supplies, tools, and more. And this card will build your credit - it reports to major credit bureaus monthly.
The Montgomery Ward Credit Account is available to people with bad. This credit card doesn’t report to credit bureaus, so it won’t build your credit. But it does allow you to buy Montgomery Ward merchandise at special discounts. And there’s opportunity for a credit limit increase.
The Walmart® Store Card is available for people with fair credit or better, but reports online suggest you can get approved with bad credit. It gives 5 points / $1 at Walmart.com and in-app, including grocery pickup and delivery, and 2 points / $1 at Walmart stores.
Although store credit cards usually can’t be used anywhere except for the store they’re branded with, they are a great way to save on some of your biggest purchases. They’re also much easier to get than most rewards cards. And if the card reports to the major credit bureaus every month, you can build up your credit score.
The GAP Credit Card reports to credit bureaus about your credit account once a month. That information can be positive (if you've paid your bill on time) or negative (if you've gone over your limit or are late paying your bill). but it can take up to 60 days for a new card to show up on your credit report.… read full answer
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