See if you pre-qualify for CREDIT CARDS

It takes less than 1 minute
Will not affect your credit score
Credit offers for any credit
5 easy steps:
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Step 1: Select Your Current Credit History

NO CREDIT
BAD CREDIT
FICO score: less
than 550
LIMITED CREDIT
FICO score: 550-639
FAIR
CREDIT HISTORY
GOOD
CREDIT HISTORY
EXCELLENT
CREDIT HISTORY
Don't know your credit score?
Check it now
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Step 2: Bankruptcy Status

Have you ever declared bankruptcy?

I have never declared bankruptcy

I have a bankruptcy discharge:

More than 2 years ago
6-24 months ago
Less than 6 months ago
I have non-discharged bankruptcy
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Step 3: Active Accounts

Do you currently have active bank accounts? You can select more than one account.

Credit Card
Debit Card
Checking account
Savings account
I don´t currently have any active bank accounts
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Step 4: Select Your State

Please select the state you currently reside in:

    UTAH GEORGIA WEST VIRGINIA MAINE DELAWARE IDAHO SOUTH DAKOTA CALIFORNIA OKLAHOMA FLORIDA TENNESSEE CONNECTICUT ILLINOIS ARKANSAS SOUTH CAROLINA KANSAS NEVADA WYOMING VERMONT NEW MEXICO IOWA WASHINGTON LOUISIANA NORTH CAROLINA KENTUCKY MASSACHUSETTS MARYLAND MINNESOTA OREGON NORTH DAKOTA ALABAMA MISSOURI COLORADO NEW HAMPSHIRE OHIO NEW YORK VIRGINIA MONTANA ARIZONA TEXAS MISSISSIPPI NEBRASKA NEW JERSEY MICHIGAN RHODE ISLAND INDIANA PENNSYLVANIA WISCONSIN ALASKA WASHINGTON, D.C. HAWAII
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    Step 5: Active Credit Accounts

    Please select credit cards you currently have or have had in the past two years.

    We respect your privacy.

    Why Should You Know Your Credit Score?

    Credit reports and credit scores are an important part of our financial wellbeing. You will need to know your credit score when you are getting ready to apply for a new credit card, when you rebuild credit or you're trying to maintain your good score, when you manage your personal finances, and when you suspect identity theft. All those things are essentials of our financial stability.

    When you know your FICO score it is easier for you to sift out credit cards you won't qualify, and find those you have high chances to get approved for. Checking your credit score and credit reports regularly can help you know where your credit stands and whether you are doing everything right or you need to change your financial behavior. Check your credit scores at least once every twelve months to have control over your credit and financial life.

    Personal Bankruptcy and Credit Cards: Is There a Way to Restore Credit?

    When you file for bankruptcy, whether it is Chapter 7 or Chapter 13 bankruptcy, your credit will be affected. The bankruptcy will stay on your credit history about 10 years. However, it does not mean you won't be able to rebuild your credit and get a new credit card again. In fact, after your debts are discharged, you can start getting credit card offers in the mail again in as few as three months. And you can actually get approved for a low limit secured credit card within a month of the debt discharge. Secured credit cards are good for those coming out of bankruptcy. It will be a smart decision to get a secured credit card and start making regular, on-time monthly payments to rebuild your credit. Do it for about a year and then you may get a regular, unsecured credit card.

    Personal Banking

    Personal banking is everything a bank has to offer to the consumers. It includes such products and services like auto and personal loans, debit and prepaid cards, credit cards, checking and savings accounts, online account access, and other products. Personal banking programs help you keep track of your accounts, manage them conveniently on the go, and stay on top of your finances.

    As part of personal banking, credit cards play a significant role in our lives and financial wellbeing. They help us build credit scores and therefore help us qualify for other personal banking products at better terms, for example get a mortgage at a lower rate. So, it is important to manage credit cards responsibly as any other personal banking product.

    Can a Place of Residence Influence Your Chances of Approval?

    Banks and lenders cannot turn down your application because of your address as it is against the law. However, if your current place of residence does not match with the one on your reports, issuers may deny your application. Also, lenders can reject your credit card application if they believe identity thieves are perpetrating fraud.

    Another thing to consider when you are applying for a credit card or for a loan is availability. Some credit card offers or loans simply may not be available in the state you reside. So, make sure the product is available in your area before you apply. Also, your place of residence may determine which of your credit reports (or all three of them) will be checked when you apply for a credit card. And since credit scores tend to be different with different credit bureaus, this may lower or increase your chances of approval for a credit card.

    Credit Card Application Rules

    When applying for a new credit card, you may want to make sure your application has a high probability of being approved. For that, you will need to make an analysis and prepare your strategy. First, find out how may cards are allowed per person by the bank you are going to apply with. For example, AmEx allows only four active credit cards at a time; while Chase and Citi won't limit you to the number of cards you can have, you will be limited to the overall credit extended across all Citi credit cards. Second, find out how often you can apply with a particular bank. For example, Chase will automatically decline your application if you've opened five credit cards with any issuer over the previous 24 months. And the third, if you are after sign-up bonuses, make sure you are eligible. For example, AmEx has strict rules that allow to earn a sign-up bonus on a personal card only once. Other issuers usually allow earing promo bonuses after a waiting period. Knowing all those nuances will help you lower the risks of being denied.

    Have A Credit Card Question? Ask Our Experts

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