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Choosing an accurate credit score helps you get matched with a Top Credit Card
SELECT YOUR SCORE
If you need a credit card but you worry your limited or bad credit score could prevent acceptance or that your average credit rating means you can’t get the best credit cards available in today’s market, Apply Now Credit can help. We’ve compiled and rated popular credit cards based on unbiased criteria, including features, rewards, expenses and financing costs.
Your Credit Score
Credit card issuers take into account many details when deciding whether to approve or deny an application. Your credit score is one of the most important factors. Choosing the right credit card starts with knowing your credit score. Your score will fall into one of the following categories :
- Excellent: 750 – 850
- Good: 650 – 749
- Fair: 600 – 649
- Poor: 550 – 649
- Bad: 500 – 549
- Limited: 300 – 549
- No Credit: 300
With a poor credit score, you may have to opt for a secured credit card. This gives you the opportunity to build your credit, all the while taking the risk off of the credit card company. As you work your way up the scale, you’ll find it easier to qualify for a large number of offers. For example, a consumer with an exceptional credit score is most likely to qualify for the majority of credit cards.
Choosing a Card
When you choose a credit card with our help, you get the best possible deals that precisely fit your budget and lifestyle. We do all the hard work for you, providing the clear advantages and disadvantages of each credit card in an easy-to-understand format, ensuring you always know what to expect from particular credit card offerings and the banks that secure them, preventing surprises that might possibly jeopardize your financial progress.
Whether you have average credit, bad credit or no credit at all, Apply Now Credit can help. Use our comprehensive information to know whether or not credit cards have annual fees and the intro purchase APR to expect when you’re accepted. We outline the regular purchase APR clearly and give you the scoop on up-to-the-minute reward types and rates.
Deciding on a Card
By putting all the pros and cons of each credit card in front of you, we make your decision as easy as possible, and our five-star rating system ensures you’re getting advice from financial experts you can trust. Here at Apply Now Credit, we make fine-tuning your quest for the best credit card for you simple, quick and convenient.
Credit Card Considerations
There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next.
Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score.
When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes it easier to focus on the offers that you actually qualify for.
Plan the Process Based on Your Credit Score
If you don’t know your credit score, you could find yourself applying for offers that you don’t qualify for. For instance, if a particular credit card requires a very good or exceptional score, but you’re in the fair range, your chance of approval is extremely low.
Here’s something else to consider: too many credit inquiries in a short period of time can have a negative impact on your score. For this reason, you don’t want to continually apply for offers that you won’t qualify for.
Knowing your credit score will help you better plan the search and application process. Here are some questions to answer during this time:
- Do you need to use a secured credit card to establish a credit history and/or build your score?
- Can you apply for an unsecured card that requires average credit, all with the idea of using it as a springboard toward a better offer in the future?
- Is your credit score high enough that you’ll qualify for almost every offer, including those that are considered the best of the best?
It’s easy to get into the habit of searching for a credit card based on your personal wants, such as an offer with a well known travel reward program. While it’s okay to make a list of what you’re looking for, don’t let this be the only thing you consider.
If you want to make the right decision without wasting any time, you’ll need to choose a credit card based on your current credit score.
When searching for the best credit card for you, there are several factors that you ought to consider. A few cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). *Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. Advertisements which display guaranteed lines of credit for $500.00 are exclusively for usage through online shopping retail stores. Please review full terms and conditions prior to applying for any credit card.
ApplyNowCredit is a free, promoting bolstered credit examination comparison entity. Offers which show up on ApplyNowCredit.com are from organizations with which ApplyNowCredit.com gets remuneration. This pay may affect the area and request in which these credit offers appear. ApplyNowCredit.com considers restrictive guidelines and the probability of a candidates' credit endorsement to decide how and where items show up on the site.
About our Ratings
Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).
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Disclaimer : ApplyNowCredit endeavors to keep its data precise and state-of-the-art. This data might be unique in relation to what you see when you visit a credit institution, specialist organization or financial-related website. Every single credit product, credit offer and/or personal loan item are displayed without guarantee. When assessing offers, please survey the credit institutions’s Terms and Conditions. Pre-qualified offers are not authoritative. On the off chance that you discover errors with your financial assessment or data from your credit report, please contact the credit institution generating inaccuracies.
Advertiser Disclosure : We receive remuneration from our partners when someone applies or gets endorsed for a money related item through our website. Be that as it may, the consequences of our aides and publication surveys depend on quantitative and subjective evaluations of item elements — nothing else. Remuneration may impact the items we survey and expound on, the request in which classifications show up in “featured” pages, regardless of whether items show up on our site or articles. While we attempt to highlight the greatest number of credit offers on our site as we can keep up, we perceive that our site does not include each organization or credit item accessibly available.