This takes the guesswork out of wondering when you'll qualify for an unsecured credit card. Starting at seven months from account opening, Discover will automatically review your credit card account to see if they can transition you to an unsecured line of credit and return your deposit. The Discover it® Secured Credit Card, for example, requires at least a $200 deposit, but you have the opportunity to earn rewards while building credit. With a secured card, you put down a deposit (typically $200) and have access to a credit limit up to that amount.
If you don't have much credit history and are struggling to get approved for a credit card, another option is signing up for a secured card. Youll also want to check for any activation fees, and if they allow for international purchases. Just check the back for a minimum balance. After you've seen improvements in your credit score, try to pre-qualify again. Most you can, some you cant Some have a minimum of 50, and then intervals of 10 after that. This allows you to piggyback off their positive credit. If you don't have a credit card yet, ask a family member with good credit if they'll add you as an authorized user. Practice responsible credit behavior, such as making on-time payments and using a small amount of your credit. Take some time to work on raising your credit score. Since it doesn't hurt your credit score, you can submit multiple pre-qualification forms to increase the chances you'll pre-qualify. If you were denied pre-qualification by one card issuer, try another and you may have better luck. Try to pre-qualify for different cards.Just beware that each application you submit results in a hard credit inquiry and may lower your credit score by a few points. Still, an official application takes more factors into consideration, such as income and employment status, which may improve your odds. While this is an option, you most likely have slim chances of approval. Here are some actions you can take if you didn't pre-qualify for a card: An official credit card application provides the lender with more information on your financial situation.
After all, pre-qualification only looks at part of your finances. If you were denied, it's not the end of the world - you still have options. When you click on the link, there's a statement that says checking your qualification chances does not affect your credit score. Many card issuers provide pre-qualification links where you can check if you may qualify for a credit card. That doesn't necessarily make it the best choice of credit card for your lifestyle, however.Īs with any financial product, you should do your research and make sure the card is a good fit for you before submitting an application. A pre-screened offer may seem tempting because it's personalized, highlights the main perks of the card and is time-sensitive. These offers can help you kick-start the credit card search process, but you should still compare other cards to find the best fit for your needs.
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These offers typically provide an invitation code that you enter on the card issuer's site and a date when the offer expires. You may receive targeted offers in the mail or via email saying you've been "pre-screened" or "pre-selected to apply" for a credit card.
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