Finances (US)

How to get a credit card with a poor score?

Do you have a poor credit score? Are you wondering if getting a credit card with a poor score is possible? Read on to know all about credit scores!

by Victória Lourenço

Published on 07/27/2022

Find out if it’s possible to get a credit card with poor score and more tips about your credit score!

Learn how to get a credit card with a poor score! Source: Adobe Stock.
Learn how to get a credit card with a poor score! Source: Adobe Stock.

If you have a low credit score, you may think that it’s impossible to get a credit card. But you can get a credit card with poor score! There are plenty of options out there to improve your score as well!

If your credit score is on the lower side, you may find that some credit card companies are unwilling to accept you for a card. However, there are some credit cards that may be within your reach.

Also, all you need to do is know where to look for a credit card with the right credit score. Plus, it can be best to know more about how your score is calculated to learn how to improve it!

By reading this post, you’ll have a better understanding of the credit card options available to you. Also, you’ll feel more confident in seeking out a new card. So, read on!

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If you’ve been struggling to get a credit card because of your low credit score, you’re not alone. A lot of people have credit scores that are too low to get a regular credit card.

However, you don’t need to worry because there are plenty of options available for poor credit scores.

Also, these options may not have the best features. But you can use them to work your way up to a higher credit score and get a regular credit card! So, keep reading to learn more about your score!

Can you get a credit card if your score is low?

You can find a card for almost any type of score! Source: Adobe Stock.
You can find a card for almost any type of score! Source: Adobe Stock.

Your credit score is very important for credit card companies to evaluate your financial profile. They need to know how well you deal with your finances. This way, they will know if you’ll pay your card bills.

If you have a poor score, the credit card companies would be taking a high risk by accepting your application. However, there are companies that make a card specifically for those with low scores or no scores even.

So, you can easily get a credit card if you have a poor score. However, it may not have the best credit card conditions. You might need to pay higher APRs and other credit card fees.

There are credit cards that don’t even look at your credit score during the application. However, these are newer cards that may not have the stability that traditional credit cards promise to have.

But most of them can be an excellent choice for all those looking for a credit card for those with poor credit.

What is the lowest score for a credit card?

You can find a credit card for just about any credit score. Some credit cards don’t even have credit score requirements. With this, you can just apply for a card and get it even with no score.

So, even if you’re starting out in the credit card world, you can get a credit card to start building credit. However, if you are a student, this task can be even easier.

There are many credit card options available for students with no credit scores. And these cards usually have the best perks, considering cards that accept all credits.

How is your credit score created?

Learn what is considered for your credit score! Source: Adobe Stock.
Learn what is considered for your credit score! Source: Adobe Stock.

There are many credit score companies out there. But basically, all of them check information such as your payment history, how much you owe, your credit history, account types, and others.

They will also check your recent credit activity. You’ll need to have used your previous credit cards in the most outstanding ways possible to get a high score.

Usually, they consider your payment history as the most important information to calculate your score. This way, they will know if you paid back all your loans, credit card bills, and others.

What do credit card companies analyze?

If you want a credit card, you’ll need to go through a credit card application process. However, you should understand more about what credit card companies want to know about you.

During the application process for almost any credit card, you’ll need to provide personal information. Also, you might want to know why they need this type of information.

Credit card companies need to know about your personal documents, full name, Social Security Number, and others to learn about you.

The credit card companies need to analyze your financial profile to see if you’ll make your bill payments on time.

Usually, the credit card company will use your Social Security Number to check your credit reports. Plus, they can also check other information about you that the credit bureaus might have.

These companies also need to know your income. This way, they will know if you’re employed or not to know if you will make your payments on time.

In the end, it’s almost all about the company making sure that you’ll pay your credit card bills on time and won’t cause any trouble.

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What do you need to get a credit card with a poor score?

Before you start the application process to get a credit card with a poor score, you need to learn a few things. You need to check if the credit card you’re applying for accepts your score level.

Also, you may want to see if the credit card company has preapproval programs. This way, you’ll be able to see if you’re preapproved for the card with no harm to your credit score.

Then, you can apply for a credit card that can help you build your credit and allow you to find a regular credit card.

If you want to increase your credit score, check out our post below for more tips on how to increase your score!

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How to improve credit scores with Experian BOOST™?

Learn how to improve credit scores with Experian BOOST™ and how to access and monitor Experian reports to have a healthier financial life!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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