Your Kroger Credit Card approval odds are usually decent if you have at least good credit, meaning your credit score should be above 700. But you may be able to qualify for this card while your credit is fair.
For instance, some forum users report getting approved with credit scores in the 650s, with starting credit limits of $9,000+. And if you received a pre-approved mail offer for the Kroger Credit Card, your approval odds are very high.
There is no minimum credit score to get a credit card, if any credit card will do. Some credit card companies don’t even check applicants’ credit history, and the main approval requirement is that you earn more money than you spend. So it’s certainly possible to get a credit card even if you have a very low credit score or no credit score at all.… read full answer
But there is a difference between getting approved for a credit card in general and getting one of the better offers.
The credit score needed for credit card approval ultimately depends on which specific card you want to get. Most of the time, credit card companies have a credit score tier they’re looking for, and applicants will need a score in the required tier (or higher) for a good chance of approval. The tiers are bad, fair, good and excellent.
The thing is, credit cards require scores that are a bit higher than the traditional minimum for each tier in the overall credit score range, according to WalletHub’s research. So for each credit tier, you can see a “traditional” score range and a “WalletHub recommended” score range below.
Here is the credit score needed for a credit card at each level:
One way to estimate your credit card approval odds is to check for pre-approval. Many major issuers will allow you to check for free. It won’t hurt your credit score. And you’ll get a pretty good idea of your chances. Plus, if you’re not sure what your score is yet, you can check your latest credit score for free on WalletHub. You’ll also get personalized credit card recommendations with high approval odds.
Just remember that having a qualifying credit score does not guarantee credit card approval. The credit card application process takes many other factors into account. Payment history, existing debt and income play big roles, too.
There isn’t an official Barclaycard credit score requirement, but you probably won’t be approved for any of the current offers without good or excellent credit. In fact, we only recommend applying for a Barclaycard if you have a credit score of 700+.
True, that’s toward the upper end of what we’d normally call the … read full answergood credit range. But barely meeting the absolute minimum Barclaycard credit score requirement probably won’t give you very high odds of approval. For the same reasons, Barclaycards that require “excellent” credit should be reserved for people with scores of 750+.
It’s also important to note that your credit score isn’t the be-all and end-all of credit card approval. Credit card issuers also consider factors such as your income and how much debt you owe. But comparing your rating to a given Barclaycard’s credit score requirement is an easy way to get a rough sense of your approval odds.
I got approved for the Amazon Prime Visa Signature card a couple of days ago with a 626 Experian score. I have a 2% utilization and a $35 balance on my file when approved. I think what helped was that I don't have any debt obligations like a mortgage or rent. (19-year-old college student living with parents) 5 inquiries on my credit report counting the Chase inquiry for the card. If you’re in a similar situation it might be worth applying for. Still could be a longshot. Also, $30k annual income currently.… read full answer
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