Chip Lupo, Credit Card Writer
@CLoop
Your Prosper® Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Prosper® Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN.
What You Need for Good Prosper® Card Approval Odds
- 640+ credit score
- 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 with no debts and still get approved As part of the application process for the Prosper® Card, Prosper will check to see if you are pre-qualified for the card. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
If you want to enhance your application by improving your credit score, WalletHub’s free credit analysis can tell you what steps to take.
People also ask
What is the Prosper Card authorized user bonus?
They haven’t reported me so doubtful they gonna report my sister mom or husband if I add them. It’s been since sept it’s December and no activity nothing. I don’t believe they post anything 3 months and two pay cycles I think this a scam
read full answerHow do I contact the Prosper Card reconsideration line?
To contact the Prosper® Card reconsideration line, call 1-(800) 851-0630. The Prosper® Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.
If you call to request reconsideration from Prosper, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile...
read full answerWhat's the starting credit limit for the Prosper Credit Card?
The starting credit limit for the Prosper® Card is at least $500. Everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
Keep in mind that you can ask to get a credit limit increase by calling the Prosper customer service at the...
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