Credit Card Question & Answer
Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I used to have bad credit, but I now have a fair credit. Will I be eligible for the ...

I used to have bad credit, but I now have a fair credit. Will I be eligible for the Kroger card?

Answered by , at
Add to Favorites:

Tags: , ,

Leo Zhu

You will probably be able to get the Kroger credit card but if you do, you will probably also have a high APR on it. The card has a variable rate that ranges from 13.99% to 23.99%. This rate is based on your creditworthiness. If you have fair credit you will obviously be on the higher end of the APR spectrum. However, if your credit just recently crossed to the side of fair you may want to consider waiting to apply. A fair credit score ranges between 640-699, if you are closer to 640 than 699, it is more likely that you may be denied. A hard credit inquiry in itself, never mind coupled with a denial, is not good for the credit score that you seem to be working at building. So if your credit is bordering on bad go for a card that is made for those rebuilding their credit instead of a store card.

Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

Other Questions in
Limited/Bad/Fair Credit