The Petal® 2 Visa® Credit Card is available to people with limited credit. That means you do not need to have a credit score to get approved for the Petal® 2 Visa® Credit Card.
Having said that, it is also worth mentioning that if you have already established a credit history, you will need at least fair (640+) credit to get this 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 Petal 2 Card 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 Petal 2 Card credit score requirement. You can check your credit score for free on WalletHub.
You can get Petal 2 Card pre-approval online. This way, you can quickly check your odds of approval for certain Petal credit cards before you actually apply for one. Current Petal customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, Petal will send people pre-approved offers for a specific credit card in the mail.… read full answer
Getting pre-approved for a Petal 2 Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
Enter your email, name, birthday, phone number, and SSN/ITIN.
Click “Next” to view any pre-approved offers.
If you are pre-approved online, you will see all Petal credit cards that will give you the highest odds of approval, which may or may not include the Petal 2 Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a Petal 2 Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Petal to flag the application as pre-approved.
Petal 2 Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Petal 2 Card, Petal will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
The only way you can apply for the Petal 2 Card is online. Applications are not accepted by phone or email. The Petal 2 Card is available to legal U.S. residents of the 50 states, Washington, D.C., or U.S. military locations, with a valid SSN or ITIN.
The first step of the application process is the pre-approval. During this step, only a soft pull is performed, which won't affect your credit score. If you're pre-approved, you'll be invited to submit your full application. At this point, a hard inquiry is completed, which will show up on your credit report.
It is also worth noting that Petal 2 Card accepts people with limited credit (less than 3 years of credit history). If this is not your case, you will need at least fair (640+) credit to get this card.
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