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?
Answered on Friday, July 1st, 2016 by
Amy Miller

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 a hard pull on your credit reports. This can cause a dent in your score. It sounds like you are credit conscious so I am sure you do not want to risk lowering your credit score any further. You are better off applying for a card that caters to your type of credit. In this case, check under the fair credit tab to see suitable options.

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