3 Thoughts on Where does your credit score need to be in order to get a credit card?
  1. Reply
    July 21, 2011 at 11:08 pm

    your credit score iz your life ………………it follows you everwhere !!!!!!!!

  2. Reply
    Franco Ledif III
    July 21, 2011 at 11:31 pm

    around 600 or 590 to get a secured credit card

    if you have a bank account you could try to increase your credit score by buying a CD (Certificate of Deposit)

    You basically lend your bank money for six or seven months and after the term you get your money back with a little interest and a boost in your credit score. Some banks start CD from as low as $ 500 some others like Chase I think is like $ 1000

  3. Reply
    July 21, 2011 at 11:37 pm

    I would say to be approved for a credit card with no annual fee, around 630-650 would get you into a decent card. If your score is below that, you may see cards charging your an annual fee.

    Here is what I would do:
    Go to http://www.capitalone.com and apply for the Standard Platinum card. If you are approved, great, you’re set.

    If you are not approved, I would recommend going to your local bank and applying for a secured credit card. A secured card requires you to open a savings account which acts as your credit line so if you fail to make your payment, the bank is protected. The bank will report your good payment history to the credit bureaus and after a certain amount of time, (usually about 10-12 months) they will “un-secure” your credit line, and send you your original deposit back. Try US Bank.

    You will save yourself a lot of money as a lot of these cards do not have annual fees. I wouldn’t really worry about going this route unless you have bad credit. Capital One rarely turns down anyone.

    Good Luck!

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