My credit score is 648. Can I still apply for a... - Limited/Bad/Fair Credit Questions


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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » My credit score is 648. Can I still apply for a credit card? If yes, which ones do you...

My credit score is 648. Can I still apply for a credit card? If yes, which ones do you recommend? And why does my score go down when I apply for a card?

Answered on | Updated on October 21st, 2012
The content is accurate at the time of publication and is subject to change.

Your score may go down if you apply too often. Banks make a hard inquiry about your credit, which may affect your score especially if you apply several times in a row. Also, this may result in your credit application being denied due to too many inquires. You should wait about six months before applying for another credit card. That will eliminate the credit score decrease.

Consider credit cards for fair credit. These cards report credit performance to credit bureaus and have low APR. Also they offer a 0% interest introductory period on purchases and rewards.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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