You can fill out an NTB credit card application online or in-person at a local NTB store. Applying online is the easiest way. Simply visit the NTB credit card application page and fill out an application. You’ll have to provide your name, email address, phone number, Social Security number, annual income, and other personal information. Once you’ve submitted your application online, you’ll get a decision instantly in most cases.
To apply in-person at an NTB store, just find an NTB location near you and ask an employee about applying for the credit card. If you’re approved immediately, you can use the credit line that day for your purchases.
The best credit card for a 550 credit score is the OpenSky Secured Visa Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. The OpenSky Secured Card also reports to all three major credit bureaus every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.… read full answer
The Discover it Secured Card is another great 550 credit score credit card. It has a $0 annual fee and actually rewards you for making purchases. A 550 credit score won’t keep you from getting approved either. But a pending non-chapter 7 bankruptcy will.
Those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
The best credit cards for a 550 score:
OpenSky® Secured Visa® Credit Card
Discover it® Secured
Credit One Bank® Visa® Credit Card
Capital One® Secured Mastercard®
Milestone® Mastercard® - Less Than Perfect Credit Considered
Before applying for a card, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.
Tire store credit cards require at least fair credit for approval. So your best bet is a secured credit card with rewards. That means the best tire-purchase credit card for bad credit is the Discover it Secured card because it gives 1 - 2% Cash Back on purchases (doubled year one). The Discover it Secured card also has a $0 annual fee. … read full answer
Your other option is to rebuild your credit a bit. If you can get your credit score into the mid-600s, you might be able to qualify for something like the National Tire and Battery (NTB) Credit Card or the Tire Kingdom Credit Card.
The Discount Tire Credit Card is issued by Synchrony Bank, which in turn pulls the credit reports of new applicants from TransUnion. If the TransUnion credit report is frozen, they use Experian instead.
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