What is a bad credit score?

Answered on April 15, 2017
Updated on October 10, 2021
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
When you have bad credit, you are less likely to be approved for a credit card that means your applications for a credit card could be denied. Of course you are not stuck with your bad credit scores. Your score can improve after a few key credit management habits. If your credit is below 500±, your credit score is considered bad. You may choose from credit cards for bad credit. In general, scores fall along the following lines:
  • Very good or excellent credit: 720-850±
  • Good credit: 680-719±
  • Average or fair credit: 620-679±
  • Poor credit: 500-619±
  • Bad credit: Below 500±

± Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT Bad Credit Cards:

A Group One Platinum Card is not strictly speaking a credit card. It is a shopping card that you can use exclusively at the Horizon Outlet (thehorizonoutlet.com). The Horizon Outlet is an online store that offers a range of merchandise: men's, women's and children's apparel; home goods; entertainment and electronics; and financial services. You should apply for a card if you are sure that you will buy at this online store often.
The Group One Platinum Card is a shopping card that you can use exclusively at the Horizon Outlet (thehorizonoutlet.com). It is an online store that sells clothing, toys, small appliances and other small-ticket items. The bank may report to at least one credit bureau and therefore help you build your credit score, but for that you need to pay some costs. All of the fees you mas see in the card's terms and conditions, however be aware of the following: One time Card Issuance and Account Validation fee: $0.00; Monthly Membership Fee: $14.77 - this is paid monthly for the full benefits plan; Late...
No, it can't be used for cash advances. The Group One Platinum Card can only be used to make purchases through the Horizon Outlet website or catalog. This is a shopping credit account, not a credit card. Cash advance features are only available to the credit card owners. Credit cards are not the best source of cash, however, as there are high fees and APRs on cash advances. Debit cards are the best for cash advances.

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