Store Credit Cards for a 500 Credit Score (2024)

FAQs

Store Credit Cards for a 500 Credit Score? ›

Can I get a credit card with a 500 credit score? Yes, you can get a credit card with a 500 credit score, though your options will be limited to secured credit cards and unsecured credit cards for bad credit. The best credit card for a 500 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card.

Can I get a credit card with a 500 credit score? Yes, you can get a credit card with a 500 credit score, though your options will be limited to secured credit cards and unsecured credit cards for bad credit. The best credit card for a 500 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card.

The Amazon.com Store Card requires a credit score of at least 640. That means people with fair credit or better have a shot at getting approved for this card. The better your credit score is, the higher your approval odds will be.

If you have bad credit, getting a store or retail credit card might be easier than a traditional card. Although store cards could come with low credit limits and may only be usable at a specific retailer, you can use them to build your credit and potentially become eligible for general-use credit cards in the future.

What are the JCPenney Credit Card requirements for approval? The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments.

Secured credit cards will likely be the easiest cards to get for those with either poor credit or no credit. That's because they require collateral upfront in the form of a security deposit, which is typically equal to the amount of your credit line and reduces the risk to the card issuer if you fail to pay your bill.

The Walmart Credit Card credit score requirement is 640 or higher, which means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.

No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.

It is not hard to get the Target Credit Card, though it's not especially easy, either. The Target Credit Card is available to people with fair credit or better, which means that most people should have a shot at approval but there are also plenty of people who won't qualify.

What score do you need for Kohls card? ›

The Kohl's Credit Card approval requirements include a credit score of 640 or higher; this means you need at least fair credit to get approved for this card.

The RedCard credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. The RedCard debit card is issued by Target Corporation. Mastercard is a registered trademark of Mastercard International, Inc. Pat 7,562,048 and 8,117,118.

standard return policy for items purchased in stores

Returns with a receipt over 30 days, with a gift receipt or without a receipt will receive merchandise credit only. Merchandise credits are subject to the Terms and Conditions printed thereon and imposed by the issuer which may include restrictions on transfers.

You need good or excellent credit (700 or higher) to get the Macy's Amex, and at least fair credit (640 or higher) to get the Macy's Store Card.

Department Stores National Bank (“DSNB”) is the issuer of the Macy's Store Card. For each account with a balance, a minimum payment will be required and you may incur a late fee if you fail to make any required minimum payment on time. The Macy's Store Card may only be used to make purchases at Macy's and macys.com.

The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).

Yes, you can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit.

Lenders can consider giving a personal loan to a borrower with a 500 credit score. However, most lenders have preset requirements that help determine who can qualify for a loan. If you have a 500 credit score and need a personal loan, you should identify subprime lenders.

Can I get a loan with a 524 credit score? ›

Credit Rating: 524 is considered a bad credit score. Borrowing Options: Most borrowing options are available, but the terms are unlikely to be attractive. For example, you could borrow a small amount with certain unsecured credit cards or a personal loan with no credit check, but the interest rate is likely to be high.

There are several actions you may take that can provide you a quick boost to your credit score in a short length of time, even though there are no short cuts to developing a strong credit history and score. In fact, some individuals' credit scores may increase by as much as 200 points in just 30 days.

The credit score needed for the Meijer Credit Card is at least 700, which is good credit.

The credit score you need for an Ulta Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Ulta Store Card, though, has more lenient approval requirements, as it accepts people with at least fair credit (640+).

To get the Torrid, you'd need a credit score of 640 or above. It's the general rule of thumb for store cards, and this one is no different. That being said, you can't get approved on score alone: they'll look at your whole file, and pay close attention to your income.

The Walmart Credit Card requirements for approval include: Being 18+ years old. Having a credit score of at least 640 (fair credit). A monthly income that's at least $425 more than your monthly housing payment.

Walmart Credit Card applications are typically approved or denied instantly, or later the same day. But if you don't get instant approval, it could take another week or two to hear back. For example, your application might get flagged as fraudulent. Or, the issuer might need more time to verify your information.

The maximum daily cash reload limit is $3,000, but maximum in-store reload limits also apply, and you may not load cash to your Card at any time the funds balance on your Card exceeds $3,000. We reserve the right to accept or reject any request to reload your Card at our sole discretion.

FAQs. What is the credit limit for the Target RedCard™? The credit limit for the Target RedCard™ generally ranges from $200 to $2,500 or more.

The RedCard credit application is on the Target.com website. You must verify your employment and income, review terms, and create a pin. You may be approved to shop online instantly, or you may have to wait for seven to ten days to get your card, depending on if Target approves you automatically.

What are the qualifications to get a Target credit card? ›

You cannot qualify for a Macy's Store card pre-approval. You can, however, get approved within minutes if you apply online or at a Macy's store. Keep in mind, though, that applying for a credit card will most likely result in a hard inquiry on your credit, lowering your score for a short period of time.

Is it hard to get an Old Navy credit card? Yes, it is hard to get the Old Navy Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for this card.

The starting credit limit for the Kohl's Credit Card is $300. So everyone who gets approved is guaranteed $300+ in spending power. But you could get more, because your credit limit will be determined based on your credit score, income and overall creditworthiness.

The Capital One Walmart Rewards® Card also offers:

Similar to other Capital One credit cards, rewards can be redeemed at any time and for any amount. Redemption options include travel, gift cards, the ability to cash in points during online checkout at Walmart.com and statement credits.

The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features.

The TJX Rewards® Platinum Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.

To get your money back, you'll need to have your original receipt. If you don't have your receipt, all is not lost, however. You can still make a return, but they'll only let you exchange it for something of equal value or get a gift card for store credit.

Standard Return Policy for Items Purchased in Stores

Returns with a receipt over 30 days, with a gift receipt or without a receipt will receive merchandise credit only. Merchandise credits are subject to the Terms and Conditions printed thereon and imposed by the issuer which may include restrictions on transfers.

Is JCPenney card easy to get? ›

The JCPenney Credit Card is cited as one of the easiest cards to get, and reviewers have reported being approved with credit scores of all types. You can apply online in minutes through the link below, or head into your local JCPenney store to fill out an application.

The Nordstrom Credit Card approval requirements include being at least 18 years old and having a credit score of 700, at a minimum. That means applicants for the Nordstrom Credit Card need good credit or better to get approved.

Burlington Credit Card Accounts are issued by Comenity Capital Bank.

Our Privacy Notice is issued by Capital One, N.A. as the issuer of Kohl's Card accounts.

What bank owns JCPenney credit card? The JCPenney Credit Card is issued by Synchrony Bank.

Credit card offers are subject to credit approval. Victoria's Secret Credit Card Accounts are issued by Comenity Bank.

The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).

Applicants with a credit score of at least 600 and up to 850 may be eligible for PayPal Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher. PayPal Credit does not have or does not disclose a minimum annual income eligibility requirement.

There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.

With an 480 credit score, you're unlikely to get approved for a traditional credit card. Credit cards are unsecured forms of debt, so banks tend to be a bit more cautious compared to loans backed by specific assets, like mortgages and auto loans.

What is minimum credit limit $500? ›

A minimum credit limit is the lowest amount of credit available for a specific card. Standard personal credit card limits usually start at $500. A maximum credit limit is the most you could charge to a credit card, and it usually goes up to $15,000. However, some cards have no limit or set the limit high at $100,000.

It's commonly said that you should aim to use less than 30% of your available credit, and that's a good rule to follow.

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670; ideally, your score should be 700 or higher.

It is 180 points away from being a “good” credit score, which many people use as a benchmark, and 120 points from being “fair.” A 520 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.

Generally, first-time credit card applicants receive small credit limits. A credit limit of $500 to $1,000 is average for a first credit card, but it may be higher if you have, say, a history of on-time car payments on your credit file.

Your first credit limit may be as low as $100 if your first credit card is from a retail store, but you might be approved for a slightly larger credit limit up to $500 if your first credit card is issued by a bank or credit card company.

In a real-life budget, the 30% rule works like this: If you have a card with a $1,000 credit limit, it's best not to have more than a $300 balance at any time. One way to keep the balance below this threshold is to make smaller payments throughout the month.

Is $1 500 credit limit good? ›

A $1,500 credit limit is good if you have fair to good credit, as it is well above the lowest limits on the market but still far below the highest. The average credit card limit overall is around $13,000. You typically need good or excellent credit, a high income and little to no existing debt to get a limit that high.

To keep your scores healthy, a rule of thumb is to use no more than 30% of your credit card's limit at all times. On a card with a $200 limit, for example, that would mean keeping your balance below $60. The less of your limit you use, the better.