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Credit Card Applications » Credit Card Questions » Other Questions » What does the credit score have to be to get a decent credit card offer?

What does the credit score have to be to get a decent credit card offer?

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Date:
September 6, 2008, 4:04 am
What does the credit score have to be to get a decent credit card offer?
Answer:

The best credit card products, those with lowest APRs, no annual fees and lavish rewards, are traditionally available to good and excellent credit customers. If your FICO score ranges between 660 and 850 you can choose between some of the most profitable card offers. Blue from American Express is a high limit card with a very low APR on purchases and balance transfers and point rewards.

You're to have a long-term credit history (at least 5 years), no late payments with any current or previous issuers and a high job income to qualify.

More Card from Discover Card company offers 0% intro APR on purchases and balance transfers and a lavish cash back program. It is also a high-limit credit card but the actual credit line will depend on your income.

Make sure your credit rating complies with the requirements of these credit cards before you apply online.

A decent credit may also be offered by average credit cards from Capital One Bank. Its Standard Platinum card with a limit of up to $3,000 is designed for people who are building up their credit history. If you have no late or missed payments in your file, if you have a valid credit score at one of the bureaus and a stable income, consider applying for this card offer.

Check your credit report to see which of these offers you might qualify for and apply online.

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