How can I get Petal 2 Visa Credit Card pre-approval?

If you're approved, you should receive your Petal credit card within 6-10 business days. If it hasn't been 10 days yet, it could be still be in the mail. If it's any longer than that, call Petal's customer service at 1-855-697-3825 or email them at [email protected]

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.... read full answer

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.

To get approved for a Petal card, you are required to have a valid email address, a U.S. telephone number, and a Social Security number or Individual Taxpayer Identification Number. Applicants must also be at least 18 years old and a permanent resident of the United States or a U.S. military location. Having limited credit or better and earning enough money to pay your bills is required for approval as well.... read full answer

Minimum Petal Card Requirements for Approval

1. 18+ years old
2. U.S. mailing address
3. SSN or ITIN
4. At least limited/fair credit
5. Enough income to pay bills
6. Low debt compared to income
7. Valid email address
8. Valid U.S. telephone number
9. No bankruptcy in the past 48 months
10. No open Petal card account
11. No prior applications for a Petal card

You may be required to provide a U.S. or foreign government-issued photo ID, or to link a U.S. bank account if your credit profile does not provide enough information for Petal to make a decision. If they do ask for your bank account information, Petal will generate a “Cash Score” when they review your banking history. This will help them determine whether you have enough disposable income to pay your credit card bills.

Finally, it’s worth noting that Petal will automatically conduct a soft pull on your credit in the beginning of the application process to see if you could qualify for one of their cards. While pre-approval never guarantees approval, it will bode well for your approval odds.