Find Credit Cards That Suit Your Credit Score
Depending on your credit score, you’ll be able to apply for different credit cards.
Whatever your score is, however, we’re here to help you find just the right credit card for you.
Limited / No Credit
Have Questions? Take a look Our Credit Card FAQs
Paying with credit cards is extremely convenient because it’s similar to getting a short-term loan. In addition to being fast and secure, credit cards also come with special perks and benefits such as discounts and cashback. They are especially useful for online shopping.
In order to apply for a credit card, you’ll need to gather the following documentation:
- Identity proof
- Address proof
- Income proof
- Age proof
After you’ve checked your credit score, determined what type of card you need, and chosen a credit card issuer, you need to submit an application for a new credit card. You can do this in a branch, via phone, or online. The issuer will accept or deny your application based on your credit report.
In order to get your own credit card, you need to meet certain criteria. Persons under 18 can only get co-signed to an adult’s credit card; they cannot owe one by themselves. More importantly, you need to have at least some credit score to be eligible for a credit card.
Persons interested in applying for a credit card must be at least 18 years old. Anyone younger than that can get co-signed to an adult’s credit card, thereby becoming an authorized user.
Credit cards are plastic, electronic payment cards that allow you to buy product and services, get cash advances, and pay off debt on other credit cards by borrowing money from a card issuer under one condition – you need to pay back the issuer at the end of each month.
Yes, a credit card limit can be changed. If you are a responsible cardholder, most credit card issuers will increase your limit every 6 to 12 months. In case you can’t wait for that long, you can submit a request in a branch, via phone, or online.
Different types of credit cards come with different pre-set limits. This amount is determined by your credit card issuer based on different factors such as your income, your debt-to-income ratio, your credit history, and the pre-set limit on your other credit cards (if you have any).
Yes, you can damage your excellent credit score. Unfortunately, damaging your credit score is much easier than improving it, so you’ll always want to be careful with how you use your credit cards and other types of loans.
Your credit activity will be reported to all three of the major credit bureaus, and most lenders and credit card issuers are fast to report negative behavior. Stay responsible, pay off your debts, don’t carry a balance, don’t max out your cards.
Having a credit card should be able to improve your credit score, under the condition that you are a responsible cardholder. This means that you need to pay your credit card bills in full and on time, as well to keep your monthly spendings well under your pre-set credit card limit.
Since the credit score is such an important financial matter, it makes sense you’d want to know what yours is. You can check your credit score by requesting a copy of your credit report from one of the three major credit bureaus – Equifax, Experian, and TransUnion. You can receive an annual copy of this report for free once a year, or check other available offers.
It’s often a good idea to request a copy of your credit report from all three of the bureaus, not just one. This way, you can examine the report for inconsistencies or mistakes. Make sure to contact your credit reporting agency within 30 days of receiving the credit report if you notice any errors.
Yes, you can avoid paying interest charges on your credit card for as long as you pay off purchases in full by the time your monthly statement is due and stay away from cash advances. To avoid interest on balance transfers, you should pay off your debt within the introductory 0% APR period.
Being a cardholder doesn’t have to cost you anything at all, but it can also cost you hundreds of dollars on a monthly basis. This depends on the type of credit card and the issuer you choose, but also on how many penalties and additional fees your credit card behavior triggers.