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
Updated: July 1st, 2016
Amy Miller
The content is accurate at the time of publication and is subject to change.

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.

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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A new credit card will most likely lower your credit score, not considerably though. First of all, when you open a new credit card, you lower your average credit age, which makes 15% of your credit score. Second, a hard inquiry will be placed on your credit report. Inquiries make 10% of your credit score […]

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Most co-branded credit cards like Speedway credit card won’t require you to have excellent credit to qualify. It is often enough to have fair credit to get such card. However, if you want to apply for this card simply because of rewards it gives, you may want to skip this offer and apply for their […]

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