Your Kroger Credit Card approval odds are good if you have a credit score of 700+, which is considered good credit. The Kroger Credit Card approval odds will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and a Social Security Number, as well.
What You Need for Good Kroger Credit Card Approval Odds
Good credit or better (a credit score of 700+)
Enough income to pay credit card bills
Low debt relative to income
Low housing costs relative to income
U.S. mailing address
Age of 18+
Social Security Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved. If you want to enhance your application by improving your credit score, WalletHub’s free credit analysis can tell you what steps to take.
To check the status of your Kroger Credit Card application, call (800) 947-1444 and press 1. You will need to provide your Social Security Number for verification. If you're approved, your card should arrive within 7-10 business days.
It’s also worth noting that once you submit your Kroger Credit Card application, you should receive a response immediately. However, sometimes the decision could be delayed depending on your credit standing and whether additional information needs to be verified. In this case, you will be notified of the decision via mail within 7 to 10 business days.… read full answer
Through the mobile app: Download the mobile app and log in to your account. Then, tap the “Transfer Deposit and Pay” tab, followed by the “Pay Bills” option.
Money Services: Money Services is offered at Kroger-owned stores, including Fred Meyer, QFC, Fry’s, Ralphs, Dillon’s, City Market, Baker’s, and Smith’s, to name a few. You can pay your Kroger Credit Card credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location).
By mail: Send your payment to the following address:
U.S. Bank National Association Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408
Make sure to send your check or money order (but not cash) early enough that it will arrive by the due date. Write your credit card number on the check, too.
Ultimately, it is worth noting that the issuer allows Kroger Credit Card cardholders to set up automatic payments, too.
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