What is the minimum credit score required to qualify for a credit card?

In Washington, there is no state law that requires a minimum credit score to qualify for a credit card. However, credit card issuers do typically require borrowers to have a minimum credit score before approving their application. The exact minimum credit score varies depending on the credit card issuer, but generally a score of at least 620 is necessary. Having a higher credit score can give you access to better terms, such as a lower interest rate or a higher credit limit. Generally, credit card issuers prefer to offer cards to borrowers with better credit scores because they are seen as lower-risk borrowers. It is important to note that just because you have a high credit score does not mean that you will be automatically approved for a credit card. Credit scores are just one of many criteria that credit card issuers consider when approving an application. Other factors like income, how long you’ve had credit, and how you’ve managed your past credit cards also influence the credit card issuer’s decision.

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