How to See If You’re Pre-Qualified for a Credit Card

Most major issuers let you to check your chances before applying. But pre-qualification doesn't guarantee approval.

Ben LuthiNovember 16, 2020
Got Bad Credit but Need a Card? See If You're 'Pre-Qualified'
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Applying for a credit card and being denied doesn't help your confidence — or your credit. Every application creates a hard inquiry on your credit report, which can knock points off your credit score.

To improve your chances of getting approved, many credit card issuers offer online tools that ask basic questions about you and then list credit cards for which you're "pre-qualified." This process results in a "soft" inquiry, which doesn't affect your credit score.

Be aware that applying for a card after being pre-qualified gives you a better chance of approval — but it doesn't guarantee approval. When you actually apply for the card, the full information on your credit report will be the deciding factor. (And the application will trigger a hard inquiry.)

See if you're pre-qualified

Most major issuers offer pre-qualification tools, but each requires different information to process the request. The table below provides links to issuer pre-qualification pages, as well as what's required from you.

Nerd tip: Issuers don't necessarily make all cards available for pre-qualification at all times. In June 2020, for example, Capital One was offering "pre-qual" only for its secured card and its cards for average credit, and Citi was offering it on no cards at that time.

Issuer

Required Information

Full name, address, last 4 digits of your Social Security number, income (optional)

Full name, address, date of birth, last 4 digits of your Social Security number, what kind of card you want

Full name, address, date of birth, your full Social Security number, what kind of card you want

Full name, address, last 4 digits of your Social Security number

Full name, address, last 4 digits of your Social Security number, what kind of card you want. (NOTE: Citi is not currently offering pre-qualification online.)

Full name, address, birth date, full Social Security number, whether you’re a student, whether you have bank accounts, housing status, income, what kind of card you want

Full name and address, date of birth, full Social Security number, email address

* If you currently have an American Express card that you manage online, you may have to clear your browser cookies or use an "incognito" browser window to see the pre-qualification page.

Improve your chances of approval

If you find that you have no pre-qualified offers, the issue may be your credit score. It may be wise to wait to apply while while you work on improving your credit. Here are few things you can do:

  • Review your credit report. Get a copy of your credit report from AnnualCreditReport.com and review it to see what's holding you back. Pinpoint collection accounts, delinquencies and other negative items that you can easily fix. Dispute any errors you find. Then check for other negative marks for an idea of what to work on next.

  • Pay your bills on time, every time. If you've been lagging in your bill payments, get up to speed as quickly as possible, then make sure to make all payments on time going forward. This includes all bills, not just debt payments. Your payment history is the biggest factor in your score, and while you can't change the past, you may see improvements fairly quickly once you start keeping up.

  • Pay down credit card balances. If you have credit card debt, get those balances paid as quickly as possible. The amounts you owe make up the second largest factor in your credit score, and high credit card balances can do major damage.

The bottom line

If you have less-than-great credit, applying for credit cards willy-nilly is likely to make things worse. Taking the extra step to see if you are pre-qualified for any offers can give you better direction as to which cards you can reasonably consider. If you're in a position where you feel you should work on your credit before applying, don't hesitate to follow that feeling. It may take time to get to where you need to be, but it'll be worth it to get the best offer you can.

Frequently asked questions

Pre-qualifying for a credit card usually doesn't have any effect on your credit score. During pre-qualification, the card issuer takes a look at your credit and tells you whether you're likely to be approved, but this is a so-called "soft" check that doesn't affect your score. Only when you actually apply for a card does the issuer run the "hard" check that can knock points off your score.

Most major credit card issuers offer pre-qualification for at least some of their cards. See the table on this page for links and information on what you need to pre-qualify.

Pre-qualification is best thought of as a "soft yes" rather than a solid assurance that you'll be approved if you go ahead and apply for the card. The answer you get during pre-qualification is based on information in your credit report. When you apply, the issuer will take other factors into account, including your income. Getting a "yes" during pre-qualification is a good sign, but there's still a chance it could turn into a "no" when you actually apply.

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