I applied for this card in October 2017 with a credit score of about 580 across the board. Credit karma suggested my approval odds were good. I was approved for a 300 CL. I keep my utilization low (below 30%) and now just 3 months later, my score is in the 650's for both transunion and Equifax. I should add that I have an old cap one credit card in collections on my report.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 26.98%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 26.98%* Variable
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Most Helpful Negative Review
So CK said my odds are poor. I applied in September 2017 and was approved. Chapter 7 bankcruptcy in 2014 due to career change, major income reduction and making poor financial decisions in my 20's. This was the first card I've applied or had since 2014. Equifax scores were 699 and Transunion 693 at the time. Stated 27k for income. I have a 3k limit. Scores are now 702 Equifax and transunion 699. Fico Equifax is 652 and was just approved for Discover it card with $1600 limit. I'm not sure how accurate CK's approval is. So far this card has been great. I keep under 10% utilization and pay in full every month so the high APR isn't applicable for me. Just be smart with credit cards. Keep utilization low and only put on credit what you can pay by the statement due date. Make cards work for you and help your credit! Try not to pay them interest! It's horrible having to rebuild your credit. Good luck in your journey!
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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