Hardest Credit Cards to Get
Credit cards can offer perks like 0% interest, cash back and more. But some cards are more exclusive than others, with higher annual fees and limited availability. In this article, we take a look at some of the hardest credit cards to get, and find out if the extra cost is worth the benefits.Info
Some of the hardest credit cards to get require an impeccable credit score and a high annual income, making it very difficult for most people to qualify for them. These prestigious cards often come with an array of rewards and luxuries, from invitation-only events to specialized gifts and exclusive travel perk
Hardest Credit Cards to Get: Are You Eligible
In order to approve a credit card application, a card issuer conducts what’s known as a hard inquiry (also called a credit check) of your credit report. This can knock your credit scores down a few points temporarily. Credit cards that offer preapproval or prequalification, on the other hand, don’t do a hard inquiry, allowing you to get an idea of whether you can be approved for the card without taking a hit on your credit scores.
There are many ways to get a preapproved credit card, including by using an online tool to see which credit cards you can be approved for. But you can also visit your card issuer’s website to request a preapproval, which should only take a few minutes and won’t affect your credit score. Then, if you are confident you can get approved for a new card, you can move forward with your application and start enjoying the benefits.