What Unsecured Credit Cards Can I Get With a 600 Credit Score?
Having a credit score of 600 may not be ideal, but it doesn’t mean you don’t have options when it comes to obtaining an unsecured credit card. Although your choices may be limited, there are still credit card options available for individuals with a 600 credit score. In this article, we will explore some of the unsecured credit cards you can get with a 600 credit score and answer some frequently asked questions regarding this topic.
Unsecured Credit Cards for 600 Credit Score:
1. Capital One QuicksilverOne Cash Rewards Credit Card: This card is designed for individuals with average credit and offers 1.5% cash back on all purchases. It also provides access to a higher credit line after making your first five monthly payments on time.
2. Discover it Secured: While this card is technically secured, it is a great option for those with a 600 credit score as it helps you build credit while enjoying some benefits. It offers cash back rewards on purchases and provides access to a higher credit line after several months of responsible card usage.
3. Indigo Platinum Mastercard: This card is designed specifically for individuals with less-than-perfect credit. It offers a pre-qualification process that does not impact your credit score and reports to all three major credit bureaus, helping you build or rebuild your credit.
4. Milestone Gold Mastercard: This card is another option for individuals with a 600 credit score. It offers a pre-qualification process and reports to all three major credit bureaus, helping you improve your credit history over time.
5. Credit One Bank Platinum Visa: This card is designed for individuals with fair credit and offers 1% cash back on eligible purchases. It also provides free online access to your credit score and credit tracking tools.
6. First Access Visa Card: This card is designed for individuals with less-than-perfect credit and offers a quick and easy application process. It reports to all three major credit bureaus, helping you rebuild your credit.
7. Surge Mastercard: This card is designed for individuals with limited or poor credit history. It offers a fast and easy application process and provides access to credit-building tools and resources.
Frequently Asked Questions (FAQs):
1. Will applying for these credit cards lower my credit score further?
– Each credit card application may result in a hard inquiry on your credit report, which can temporarily lower your credit score. However, the impact is usually minimal and will fade over time.
2. Can I get a credit limit increase with these cards?
– Some of these credit cards offer the opportunity for a credit limit increase after a certain period of responsible card usage. Be sure to check the terms and conditions of each card to understand their specific policies.
3. Are there any annual fees associated with these credit cards?
– Some of these credit cards may have an annual fee, while others may not. It is important to carefully review the terms and conditions of each card to understand any associated fees.
4. Will these credit cards help me improve my credit score?
– Yes, these credit cards can help you improve your credit score if you use them responsibly. By making timely payments and keeping your credit utilization low, you can gradually build a positive credit history.
5. Can I use these credit cards for balance transfers?
– Some of these credit cards may offer balance transfer options. However, it is essential to review the terms and conditions, including any associated fees and interest rates, before making a balance transfer.
6. Can I use these credit cards for cash advances?
– Most of these credit cards offer cash advance options. However, it is crucial to understand that cash advances often come with higher interest rates and fees, so it is advisable to use them sparingly.
7. Is there a minimum credit score requirement for these cards?
– Each credit card has its own minimum credit score requirement. While some may accept applicants with a 600 credit score, others may have slightly higher requirements. It is best to review the eligibility criteria for each card before applying.
In conclusion, while having a 600 credit score may limit your options, there are still unsecured credit cards available to you. By choosing the right card and using it responsibly, you can improve your credit score over time and open up more opportunities in the future. Remember to review the terms and conditions of each card and make informed decisions based on your financial needs and goals.