The TJX Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for 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 TJX 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.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the TJX Credit Card credit score requirement. You can check your credit score for free on WalletHub.
Yes, the TJX Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the TJX Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer
Here are some of the easiest department store credit cards to get:
Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.
Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.
Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.
JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: $0.
Amazon.com Store Card: For people with fair credit. 5% back in rewards cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.
There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
The Belk Credit Card credit score requirement is 700, at a minimum. That means you need good credit or better for approval.
Keep in mind that when applying for the Belk Credit Card, you will also be considered for the Belk Store Card. Which card you’ll get depends on your credit score and several other factors. The Belk Store Card requires fair credit or better (a credit score of 640+) for approval.… read full answer
Here’s what you should know before applying for the Belk Credit Card:
When applying for the Belk Credit Card, you will also be considered for the Belk Store Card.
Once your application is reviewed, you will receive offers based on your creditworthiness. If you have lower credit, you’re more likely to be eligible for the Belk Store Card.
Unlike the Belk Credit Card, which can be used anywhere Mastercard is accepted, the Belk Store Card will be restricted to Belk stores.
In addition to your credit score, there are other factors that could impact your chances of approval. Some other key criteria include your debt-to-income ratio, payment history and recent hard inquiries.
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