The USAA credit score requirement is 700 for all cards, which means that people with good credit or better have high approval odds.
If your credit score is below the threshold needed for a credit card from USAA, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
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 a USAA credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
USAA does not offer any credit cards for bad credit (a credit score below 640). All USAA credit cards require good credit for approval, which means a credit score of at least 700.
There are, however, credit cards for bad credit available from other issuers that are quite easy to get. Using one of those cards responsibly may eventually help you qualify for a USAA credit card.… read full answer
All USAA credit cards require good credit or better for approval, so they are all equally easy (or hard) to get. That doesn’t necessarily make USAA credit cards easy for anyone to get, though, because the average credit score is right on the edge of good credit. USAA does not currently issue any credit cards for people with less-than-good credit.… read full answer
The best credit card for a 550 credit score is the OpenSky® Secured Visa® Credit 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. This 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 Credit Cardis 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 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.
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.
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