Value City Credit Card, is this card for you? If you have decent credit (or better). If you are seeking to get approved, recommend obtaining a minimum of a 630 credit score. If you are unsure what your credit score is, request a free report from any one of the three main credit bureaus: TransUnion, Equifax, or Experian. This should give you an idea as to what is needed in order to be approved for the card.
You need to keep in mind, that just because you are applying for a Value City Credit Card does not mean you should skip any type of credit card. The reason for this is that any credit you have will add to your credit score, and this makes it easier to qualify for anything you need. That being said, let's look at what exactly is required in order to be approved for this credit card. First, you need to have a job.
So is this card a job applicant's dream? Not necessarily, but it does have its benefits. For example, you can use the card to pay for gas whenever you feel like it (well except for midnight and mop up time). There are many other perks that you can enjoy as well, and that include frequent flyer miles, bonus points when shopping and dining, and so much more.
Second, when you apply for the Value City Credit Card, you are going to need to have your financial statements ready. This is required because the company needs to know exactly what type of credit you have, as well as what your income is. It would be a good idea to have a detailed income statement form from the past year, your monthly expenses, and your credit card statements. This all helps them see how responsible you are with your finances.
Last, the best thing about having a Credit Card from Value City is that the company provides incentives to their clients. The biggest incentive that they provide to their valued customers is the lower interest rates. This means that when you pay off your balance every month, you will not only be able to save money, but also increase your credit rating at the same time. If you do not have a high enough credit rating, then applying for a card may be a waste of your time.
When you apply for a credit card, keep in mind what your actual credit rating is. There are times when lenders pull your credit, but usually only to check on your payment history. If they see that you made your payments on time every single month, then chances are that you will not have any issues with them. Keep an eye on your credit rating, and always make sure to pay it back on time or you will be wasting time, money, and ultimately, more money.