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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: filadendron/GettyImages April 15, 2021 Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Credit One Bank is best known as a credit card issuer that offers products for . However, the bank also has cards for average credit, as well as some cards with decent cash back rates. If you’re interested in a , it’s easy to check if you qualify without triggering a . The issuer actively sends out preapproved credit card offers in the mail, and you can also prequalify for a card on the Credit One Bank website or tools like CardMatch. Which Credit One Bank cards can you get preapproved for
When you go through prequalification on the Credit One Bank website, you’ll be able to see which cards you can get approved for. For instance, if your credit could use some work or you have no credit history, the issuer may offer you *. If you have at least a fair credit score, you may prequalify for or other products. How to get preapproved for a Credit One Bank credit card
It’s easy to get prequalified for a Credit One Bank credit card. All you have to do is provide some personal information for the bank to perform a . Soft inquiries only require some basic information and don’t have any impact on your credit score, unlike a hard inquiry that may knock off a few points. There are two ways to check the offers you’re prequalified for. Note, however, that being prequalified doesn’t guarantee approval. It only shows that you’re likely to be approved based on your credit and other factors. Check for offers on CardMatch
It’s easy to find cards you’re prequalified for using , a convenient tool by Bankrate that provides credit card offers tailored to your credit profile. To use it, enter some basic information, including your name, email address and the last four digits of your Social Security number. You can also create a free Bankrate account during this step for easier access to CardMatch in the future. Once you’re done, you’ll be matched with qualifying credit card offers from various issuers, including Credit One. Since there’s no impact to your credit score, this is an excellent way to shop for your next credit card. The best part is, you’ll see options besides Credit One Bank cards, which can help you make a more informed choice. Check for offers on the Credit One Bank website
You can also go directly to the Credit One Bank . On the page, you’re asked to provide some personal information like your address and Social Security number to get Credit One bank offers that you’re most likely to get approved for. How to boost your chances of prequalifying and getting approved for a Credit One Bank credit card
If you’re only starting your credit journey or working to rebuild your credit, you might feel nervous about your credit card approval chances. Fortunately, there are steps you can take to improve your odds: Check your credit score
Before you can start working on your credit, you need to know where it currently stands and continue tracking it. While it’s possible to get approved for a Credit One Bank credit card even with a (below 580), it’s essential to improve your scores to get more credit and loan opportunities in the future. Pay all of your bills on time
Your payment history is the most crucial aspect of your credit score. If you currently have any loans or credit cards, make sure you’re making your payments early or on time. Pay off credit card debt
To help your credit further, lower your credit utilization—how much you owe in relation to your credit limits. Your is the second most important credit score factor, and it’s recommended to keep it below 30 percent to make sure it’s not hurting your credit. Count your household income
When you’re applying for a credit card, you can list your household income as opposed to your personal income. This can help you bump up your approval chances. Avoid applying too often
If you apply for multiple credit cards in a short period, credit card issuers may see it as a sign that you’re trying to borrow funds in a dire financial situation—and you might not be able to pay them back. For that reason, try to limit your credit card applications to no more than one in six months, or even a year. Should you get a preapproved card from Credit One Bank
It’s comparatively easy to get preapproved for a credit card from Credit One Bank, so it can be a good option to consider if you have a poor or fair credit score. This way, you can check offers without any impact on your credit and compare your options. Still, remember that preapproval doesn’t guarantee you’ll end up getting the card. Plus, when you do apply for the card, you’ll still get a hard inquiry, whether you’re approved or not. Keep these things in mind when you’re shopping for a credit card. It’s good to stay on top of the offers and see what you’re prequalified for, but it’s best to commit to applying only when you’re certain it’s the right time—and the right card. *The information about Credit One Bank Platinum Visa for Rebuilding Credit has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer. SHARE: Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Related Articles