Quick Answer: How do I qualify for a Bank of America student credit card?

What credit score do you need for a Bank of America student credit card?

The card requires limited or fair credit, which means you must have a bit of prior credit experience (and likely a FICO score of at least 620).

How hard is it to get approved for a Bank of America credit card?

Your Bank of America credit card approval odds are best if you have a credit score of 750 or higher. Most Bank of America credit cards require excellent credit for approval. … If you’re in college, there’s a very good chance you’ll be approved for one of the Bank of America student cards.

What is the limit on a student credit card?

The Discover student credit card limit is $500 or more for both the Discover it Student chrome Card and the Discover it Student Cash Back Card. There is no reported maximum Discover student credit card limit, but there are reports of cardholders receiving an initial limit of as much as $3,000.

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Can you qualify for a credit card without a job?

Being unemployed doesn’t automatically disqualify you from getting a credit card. Credit card issuers are more interested in your income than your job. … You can meet the income requirement even without a job by including on your application any income you have access to. Even if your income comes up short, rest easy.

What credit score does Bank of America use?

Bank of America is most likely to check your Experian credit report when you submit a credit card application. After Experian, Bank of America will turn to Equifax. The bank will only use TransUnion data if necessary.

Can I get a credit card with a 5000 limit?

Here’s why: The Chase Sapphire Preferred® Card comes with a $5,000 minimum credit line, but we’ve seen claims that the credit limits for this card can be as high as $100,000.

Card Minimum credit limit
Chase Sapphire Preferred® Card $5,000
Citi® Double Cash Card $500
Chase Freedom Unlimited® $500

What credit score do u start off with?

The truth is that we all start out with no credit score at all. Credit scores are based on the information in our major credit reports, and such reports aren’t even created until we’ve had credit (e.g., a credit card or loan) in our names for at least six months.

Do you need to be a student to get a student credit card?

Usually, you need to be enrolled in an accredited school, TAFE or university to get a student credit card. High school students are generally not eligible for a student credit card. You may also need to be enrolled full-time to apply.

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How can I build credit with no income?

3 Ways to Grow Your Credit Without an Income

  1. Become an authorized user on a responsible family member’s credit card account.
  2. Apply for a secured credit card or credit builder loan.
  3. Understand payment relief options for student loans and other bills.

Do credit cards Check your income?

How Do Credit Card Companies Verify Income? Since income doesn’t show up on your credit reports, most credit card issuers don’t actually verify your income. For low lines of credit, it’s not worth their time or money. … Issuers reportedly might also check that your income makes sense in the context of your employment.

Can a non working spouse get a credit card?

Your spouse is required to use the household income when applying for a credit card, so yes, a spouse with no income can apply for a credit card. … According to CARD Act, the applicant is required to be at least 21 years old and have a “reasonable expectation” to be able to access the household income.