Fair Credit Cards FAQs
I don’t have an actual location nearby but I heard that BJs.com has good deals. I was thinking about applying for their credit card but I have varying credit rates depending on which credit bureau you look at. I do not have bad credit but two reporting agencies have me in the fair range and one has me in the good range. Do you think I will be approved?
Many cards will look at your Vantage score which is basically a combination of all three credit bureaus. However, I could not tell you for sure how they decide, therefore I can’t tell you if you would be approved for their card. I can tell you that applying for a credit card usually results in […]Continue »
What is the best credit card for a fair credit?
There is no universal credit card offer that is definitely the best one for someone with fair credit. The thing is we all have different financial situations and credit histories even though they all tagged as “fair credit”. Moreover, your needs and the way you manage your credit cards also determine which credit card is […]Continue »
How many points I will lose for closing a credit card with zero balance?
There is no set in stone number because a lot of different factors are considered when you close a card. Most important are credit utilization ratio and card’s age. If it is the oldest credit card in your credit portfolio, the average age of your credit will become shorter and your credit will go a […]Continue »
You can apply for the Barclaycard® Rewards MasterCard® – Average Credit. There is no annual fee and you will be able to earn bonus points on all your purchases. Gas, grocery, and utility purchases will bring you 2 points per dollar spent and all the other purchases – one point per dollar spent. Your credit […]Continue »
You can contact your current credit card issuers and request for a credit limit increase. It won’t hurt your credit score as much as opening a new credit card because the average age of your credit accounts won’t change. If your creditors do not raise your credit limits, then you can apply for a new […]Continue »
What type of credit card can I get having fair credit?
You can get a general credit card with rewards program or a card without an annual fee. Look at the credit card offers for people with fair credit history. Compare the offers depending on your needs and on what you want your card to be and apply online. For example, the Barclaycard® Rewards MasterCard® – […]Continue »
My score is 650. Why is it so hard to get an unsecured card?
To get an unsecured you should show sufficient income and have stable job. The banks should see that you can manage credit cards: make on time payments and stay within limits. The length of your credit history is important as well: little credit experience may result in denied credit card application. For most credit card […]Continue »
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