The Helzberg Diamonds Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Helzberg Diamonds Credit 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 Helzberg Diamonds 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.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Helzberg Diamonds Credit Card credit score requirement. You can check your credit score for free on WalletHub.
You need a credit score of al least 640 to get the Justice credit card. In addition to your score, the issuer will also look at your recent inquiries and will determine your ability to pay your balance by analyzing your debt-to-income ratio.
Yes, the Helzberg Diamond 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.
You can prequalify for the Helzberg Diamond Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be 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.… read full answer
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 here.
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