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Whether you're new to applying for credit cards or you're a seasoned pro, here are a few common questions about applying for credit cards:
How should I prepare to apply for a credit card?
Prior to applying for any rewards credit card, you should have a good credit score. Most banks consider a good credit score anything above 700. If you do not have a credit score above 700, then you will most likely not be approved for many of the top cards. There are things that you can do to improve your score
. Prior to applying for any credit cards, you should consider any large purchases, like cars or houses, coming up. We recommend to hold off on applying for new credit cards about 6 months prior to any large purchase
What info will I need to apply?
When applying for a credit card, the banks ask for several basic pieces of information:
- Your personal information (social security number, date of birth, full name)
- Your address history, current and prior
- Your combined household income
- Whether or not you have a checking and savings account
- Your employment history
Applications can typically be completed within 10 minutes or so and you will receive an answer
within a few seconds of completing the application.
How will applying for a credit card impact my credit score?
Applying for a credit card has a very minor impact on your score
. Most people think that applying for and using credit cards is a bad thing for their credit score. This couldn’t be more further from the truth. When used responsibly
, credit cards can increase your credit score. Responsible credit card usage covers a couple of things: 1) never
spend more than you can pay back and 2) always
pay your bills in full and on time. So never live outside of your means and always pay your bills on time and you should see an increase in your credit score.
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