Other companies might accept an individual taxpayer identification number (ITIN) instead. Some credit card companies require a Social Security number (SSN) as proof of identity. While some credit card issuers might require documentation to prove your income and that you have a U.S. But keep in mind that not all card issuers allow co-signers. This person would need to show they’re able to make payments if you’re not. If you can’t, you may need an older co-signer. If you’re under 21, you’ll also have to prove that you can independently make the minimum payments on the account. You typically have to be at least 18 years old to open a credit card in your own name. Here’s an idea of the kind of information your lender might need from you when you’re applying for a credit card: Age Understand the Requirements Needed to Apply Not sure which specific card to apply for? Capital One’s credit card comparison tool can help you narrow your search by credit level, rewards type and other factors. If the card offers any rewards or bonuses.If there are any fees associated with the card and what the interest rate is.If you have any large purchases to make.If you’ll be using this card to transfer higher-interest debt.If you’ll be using this card to build or rebuild credit.Just like all financial decisions, it depends on your own individual circumstances. Then you can see which one matches your needs and your credit scores. When comparing types of cards, it’s a good idea to assess why you want a credit card in the first place. For example, Capital One’s offerings include: With responsible use, like paying your statement on time every month, credit cards can be a great way to build your credit.īefore you pick a particular card, it can be helpful to understand the different types of credit cards available. Choose the Right Type of Credit CardĪ credit card can be an important tool for building a better financial future. And with the CreditWise Simulator, you can explore the potential impact of your financial decisions before you even make them.
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With the CreditWise app, you can access your free TransUnion credit report and weekly VantageScore® 3.0 credit score anytime-without hurting your score. You can also monitor your credit health with tools like CreditWise from Capital One, even if you’re not a Capital One cardholder. There may be a limit on how often you can obtain your reports. Want to see what’s in your credit reports? You can get free credit reports from each of the three major credit reporting agencies-TransUnion®, Experian® and Equifax®-by visiting. That’s because there are many credit-scoring models-mathematical formulas used to calculate credit scores-and each formula is a little different. Keep in mind that you have different scores. And even if your credit score is a work in progress, there are still cards for people who have less-than-perfect credit. If you know your credit score, it could help you figure out which cards you have a better chance of being approved for. Why do your credit history and scores matter when you’re applying for a credit card? Creditors will likely use these- along with other factors-to decide whether to approve or decline your application. Determine how your credit card payments will fit into your budget. There may be several options when you apply: online, in person, over the phone or by mail. Pre-approval can help you understand whether you qualify for a credit card without involving a hard inquiry. While you typically have to be at least 18 years old to open a credit card in your name, the proof of identification and credit scores can vary among cards.
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