What credit score do you need for the True Value Credit Card?
The credit score you needed for the True Value Credit Card was 700 or better. That means people with at least good credit had a shot at getting approved for this card. But the True Value Credit Card is no longer available to new applicants.
Alternatives to the True Value Credit Card
If you are looking for a good card to use at True Value and home improvement stores, you could consider the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on purchases. The card requires a credit score of 700 or better. So, applicants with at least good credit have a good chance for approval.
You could also check out home improvement credit cards like the Harbor Freight Credit Card or the Lowe's Store Card. Both cards accept applicants with a credit score of 640 or better. This means you need at least fair credit to get them. But both cards are store credit cards, meaning that they can only be used to make purchases from one retailer or a group of related retailers.
Other Requirements You Need to Meet to Get a Credit Card
You should note that while your credit score is an important factor, there are also plenty of other things that will impact your chances of being approved for a credit card. 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 your desired card's credit score requirement. You can check your credit score for free on WalletHub.
