Di quale punteggio di credito hai bisogno per ottenere l'approvazione per una carta di credito?

Chase Freedom Flex℠

In poche parole

Chase Freedom Flex ^SM offre un allettante bonus di iscrizione di $ 200 dopo aver speso $ 500 nei primi tre mesi. Inoltre, premi cashback su viaggi, ristoranti, farmacie e acquisti quotidiani con premi che non scadono mai. Tutto senza canone annuale!

Cosa ci piace:

• Fantastico bonus di rimborso di $ 200 dopo aver speso $ 500 per acquisti nei primi 3 mesi dall'apertura del conto.

• Guadagna il 5% di rimborso sui viaggi prenotati tramite Chase Ultimate Rewards® e fino a $ 1.500 in acquisti combinati in categorie bonus ogni trimestre che attivi. Goditi le nuove categorie del 5% ogni trimestre, oltre a guadagnare l'1% su tutti gli altri acquisti.

• 0% di aprile introduttivo su acquisti e trasferimenti di saldo per 15 mesi dall'apertura del conto sugli acquisti, quindi un aprile variabile del 17,24% - 25,99%.

• Guadagna un bonus di $ 200 dopo aver speso $ 500 per gli acquisti nei primi 3 mesi dall'apertura del conto.
• 5% di rimborso in contanti fino a $ 1.500 in acquisti combinati in categorie bonus ogni trimestre che attivi. Goditi le nuove categorie del 5% ogni trimestre!
• Rimborso del 5% sui viaggi acquistati tramite Chase Ultimate Rewards®, il nostro programma di premi di prim'ordine che ti consente di riscattare premi per rimborsi, viaggi, buoni regalo e altro ancora
• 3% di rimborso sugli acquisti in farmacia e sui pasti nei ristoranti, incluso il servizio di asporto e consegna idoneo, e un rimborso illimitato dell'1% su tutti gli altri acquisti.
• Nessun minimo per riscattare in contanti. Puoi scegliere di ricevere un credito estratto conto o un deposito diretto nella maggior parte dei conti correnti e di risparmio statunitensi. I premi Cash Back non scadono finché il tuo account è aperto!
• 0% di aprile introduttivo per 15 mesi dall'apertura del conto su acquisti e trasferimenti di saldo, quindi un aprile variabile del 17,24% - 25,99%.
• Nessuna quota annuale - Non dovrai pagare una quota annuale per tutte le fantastiche funzionalità fornite con la tua carta Freedom FlexSM
• Tieni sotto controllo lo stato del tuo credito:Chase Credit Journey ti aiuta a monitorare il tuo credito con accesso gratuito al tuo punteggio più recente, avvisi in tempo reale e altro ancora.

Candidati ora>>

Con la carta Chase Freedom Flex℠ i titolari di carta guadagnano il 5% di rimborso in contanti fino a $ 1.500 in acquisti combinati in categorie bonus ogni trimestre che attivi. Le categorie cambieranno ogni trimestre.

Questa carta offre anche uno sconto del 5% sui viaggi prenotati tramite Chase Ultimate Rewards® e un rimborso del 3% sugli acquisti di ristoranti e farmacie.

I titolari di carta guadagneranno anche un rimborso illimitato dell'1% su tutti gli altri acquisti.

Leggi la nostra recensione completa di Chase Freedom Flex℠.

Credito medio:600–699

Se hai appena iniziato a utilizzare il credito o ti stai riprendendo da uno o due pagamenti mancati, probabilmente avrai un punteggio di credito inferiore nei 600.

This means you’ll have trouble getting approved for many of the credit cards you see most advertised, but don’t worry, there are still offers out there for you.

Not knowing this, you may try to apply for several cards and get declined which, in turn, will hurt your credit score even more. If you’re in this group, you’ll want to know which credit cards will offer you the best chance of approval and apply for those cards first. You may be able to get approved for some of the leading cards, but it’s iffy.

Pay attention to the minimum credit score range required. Choosing a card that matches your credit score is your best shot for approval.

• Best Credit Cards if Your FICO Score is Between 650 and 699
• Best Credit Cards if Your FICO Score Is Between 600 and 649

Suggested Credit Cards for Average Credit:

If you have OK but not great credit, Capital One should be your first stop for a new credit card. Capital One is a major card issuer that has some cards well-suited for consumers with average but not-quite excellent credit. Because they’re such a big bank, Capital One has lots of great cards and you may be able to upgrade your card as your credit improves.

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

• Fair

What We Like:

• Only average / fair / limited credit is required for approval

• Be automatically considered for a higher credit line in as little as 6 months

• No annual fee or foreign transaction fees

Apply Now>>

The no-fee Capital One Platinum Credit Card gives you access to a higher credit line after making your first six monthly payments on time. It’s designed to be a good first credit card or a good first new card as you get back on your feet from past credit problems.

Read our full Capital One Platinum Credit Card review.

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

• Fair

What We Like:

• 1.5% cash back on all purchases.

• Be automatically considered for a higher credit line in as little as six months.

• No foreign transaction fees and a modest $39 annual fee.

Apply Now>>

Alternately, the Capital One QuicksilverOne Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase with a low annual fee.

Read our full Capital One QuicksilverOne Cash Rewards Credit Card Review.

Credit One Credit Cards

Credit One Bank is a lesser-known but rapidly growing issuer with credit cards especially for consumers with average or limited credit.

Compare Credit One credit cards.

Bad Credit:Under 600

If you’re in the last group and have bad credit because you’ve missed payments, had collection accounts, or a foreclosure, you need to take special steps to get approved for a credit card.

If you’re in this situation, you should only apply for a credit card in an effort to begin rebuilding credit (NOT to spend money you don’t have!). Usually, this means applying for a secured credit card.

A secured credit card requires a security deposit before you can begin making charges. That security deposit acts as your credit limit. Although that may sound like a debit card or prepaid card, the secured credit card will report your payment history to the credit bureaus, which debit and prepaid cards do not do.

After a year or so of using a secured card, you may be able to upgrade to an unsecured account and get your deposit back.

Suggested Credit Card for Bad Credit:

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

• Poor

What We Like:

• Put down a refundable security deposit starting at $49 to get a $200 initial credit line.

• Be automatically considered for a higher credit line in as little as six months with no additional deposit needed.

• No annual fee and no foreign transaction fees.

Apply Now>>

How Does Your Credit Score Affect Your Credit Card Application?

Banks use your credit score to estimate their risk that you won’t pay back your credit card charges. The higher your credit score, the less risky and the higher your chance of getting approved for a credit card.

Banks also factor in your credit score when deciding how much of a credit limit to give you after you’re approved for a new credit card.

What’s the lesson? Know your credit score. (Remember, you can use our free credit score estimator above or there are lots of free credit monitoring services to check your score online.)

Keeping track of your credit score can alert you to problems in your credit report and show you how timely payments are paying off as your score goes up. You can also compare your score to national averages so you know how good a job you’re doing managing credit.

I’ve Got Good Credit — Why Was I Denied for a Credit Card?

Oftentimes you can still be denied for a credit card even though your credit score isn’t that bad. This is especially true if your credit score isn’t in the mid-700s or better.

What gives?

Banks’ approval criteria for each card changes all the time. But common reasons you may be denied a credit card, even if you have a good credit score, include:

• Too much debt (or high credit balances even if you pay them off).
• Too much available credit.
• Too short of a credit history.
• Recent late payments, charge-offs, or other negative items.

If your credit score is in the high 600s, you may still get approved for some of the leading card offers, but this is where you have to be careful. You’re more likely to be approved if you have a year or two of on-time payments and very little credit card debt. If your score is lower than 700 because you’ve missed payments or have a lot of revolving debt, your approval chances are lower.

Don’t apply for new credit if you have recent late payments or big balances on your existing credit cards. Even if you pay your cards in full each month, that big balance from the month you went on vacation could look like debt to a bank’s computers. The best time to apply for a new credit card is when:

• Your current card balances aren’t too high.
• You have not missed a payment in the last two years.
• You have not recently applied for other credit.

Riepilogo

There is a credit card out there for every credit score, even poor credit. But before you apply for any credit card, make sure you read the fine print.

Leggi di più:

• Best Rewards Credit Cards
• Best Credit Card Sign-Up Bonus Offers