The credit score that you need for the Helzberg Diamonds Credit Card is 640, at a minimum. That means people with fair credit or better have a shot at getting approved for this card.
Other Helzberg Diamonds Credit Card Approval Requirements
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. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.
The easiest jewelry credit card to get is pretty much any jewelry credit card, including the Helzberg Diamonds Credit Card, the Iddeal Jewelry Credit Card, and the Zales Credit Card. You have about the same chance of getting all of them because they all are store cards that require fair credit for approval. So, your best bet is to go for whichever jewelry store’s card has the benefits you like best. You could also consider a more general store card for a place that sells jewelry among other things, like the JCPenney Credit Card.… read full answer
Keep in mind that it’s best not to use a jewelry credit card for financing because most, if not all of them, use deferred interest. In other words, they give you a low introductory (often 0%) interest rate but still calculate how much interest you would have accrued during that period at the normal interest rate. If you don’t pay off your balance in full by the end of the introductory period, you owe the interest. So that’s something to be wary of.
With that said, let’s take a look at some of the most popular jewelry cards.
If you want a store card that can be used for jewelry but also for other things, here are some other good options: The JCPenney Credit Card gives you 35% off your first purchase and 1 point per $1 on all purchases. The Amazon.com Store Card gives 5% back in rewards off all Amazon purchases when you have a Prime account. And the Target Credit Card gives you 5% discount off all Target purchases.
You could also consider non-store cards with good bonuses. For example, the Capital One Venture Rewards Credit Card gives you 75,000 miles for spending $4,000 in the first 3 months of account opening. You could use it to buy an engagement ring and save on your honeymoon with the miles. It’s easy to use credit cards to your advantage if you plan ahead.
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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