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.

Other Popular Fair Credit Cards FAQs

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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Well, when it comes to credit issuers, there is one thing you always have to remember. When you apply for any credit card, not just the PenFed card, your current credit score is not going to be the only thing the credit issuer is going to check, there are several other factors they will also […]

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