My credit score is 639, what type of credit card should I be going for?

Answered on November 09, 2012
Updated on November 09, 2012
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller

Your credit is fair which means that you can apply any offer from fair credit page.
In general you can apply as for unsecured as for secured credit card. A secured credit card requires a security deposit which acts as a collateral. But in fact it’s same unsecured credit card. Both card types offer credit reporting and rewards programs. Which one to choose is up to you but don’t forget to read the fine print.
To ease your task we would like to offer you to use our tool: indicate your credit history, tick the preferences and see what options you have.

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 Fair Credit Cards:

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 are all tagged as “fair credit”. Moreover, your needs and the way you manage your credit cards also determine which credit card is good for you. For example, if you need a credit card to improve your credit and you tend to overspend, we would not recommend you a credit card with rewards but a card without an annual fee and without rewards instead. However, if you pay off the card balances...
If you are someone with fair credit, your credit score lands you between “poor” and “good.” FICO is the most popular scoring system now. It is often used by major issuers to make an approval decision. According to the FICO credit score range, fair credit falls between 640 and 699±. If your credit score falls within this range or close to this range, then your credit can be considered fair. There are plenty of credit cards suitable for average credit. If you build your credit, you'll be able to qualify for premium credit cards and get exclusive perks and offers. ±Credit scores are...
To get an unsecured card you should show sufficient income and have a 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 issuers your credit is fair. And if you apply for a wrong credit card, for a card which requires a higher credit score than you have, you will be denied. To avoid this consider credit cards for fair credit.

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