How do I get the SoFi Credit Card sign-up bonus?

The SoFi Credit Card credit limit is $1,000 or more. Everyone who gets approved for SoFi Credit Card is guaranteed a credit limit of at least $1,000, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.... read full answer

The SoFi Credit Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the SoFi customer service number on the back of your card, but it’s best not to ask more than once a year.

To get a SoFi Credit Card cash advance

1. Call SoFi customer service at (844) 945-7634 and request a PIN, if you don’t already have one.
2. Insert the credit card at an ATM and enter the PIN.
3. Select the cash advance option on the ATM screen.
4. Enter the amount you’d like to withdraw.
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5. Withdraw the cash and remove the credit card from the ATM.

Before you take out a SoFi Credit Card cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a cash advance fee of 5% (min $10). There’s also a separate cash advance APR of 31.49% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.

Your Capital One Quicksilver Student Card approval odds are good if you are a student with little-to-no credit, or a credit score of 640+ (at least fair credit). Approval odds for the Capital One Quicksilver Student Card will be influenced by your annual income and existing debts, and you need to be 18+ years old. You’ll also need to have a U.S. mailing address and an SSN or ITIN.... read full answer

What You Need for Good Capital One Quicksilver Student Card Approval Odds

• Little to no credit history, or at least fair credit (score of 640+)
• Proof that you’re currently a student
• 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 or Individual Taxpayer Identification 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. To get a better sense of your approval odds before applying for the Capital One Quicksilver Student Card, you can check to see if you’re pre-qualified for any offers on the Capital One website. 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.

You can sign up for a free WalletHub account and see if you’re likely to get approved before you apply.