A credit score of 640 will likely qualify you for a mortgage, but with a little improvement, you could get a better interest rate and save money on the loan. Your credit score is one of the most important factors that goes into getting a mortgage. Every mortgage program has its own minimum credit score requirements.

Can I get a Chase credit card with 640 score?

There are a few Chase credit cards available to consumers with lower credit scores: You’ll have a much better chance of approval if you are a Chase customer with a Chase bank account. Amazon Prime Rewards Visa Signature Card: The suggested credit score for this Chase credit card is 640 or above.

Can I get a Walmart credit card with a 640 credit score?

Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted. Your credit score isn’t the only thing Capital One will look at when evaluating your application.

Is it good to have a credit score of 640?

A 640 credit score is not a good credit score, unfortunately. You need a score of at least 700 to have “good” credit. But a 640 credit score isn’t “bad,” either.

What to do if your FICO score is 640?

Congratulations, 21 out of 194 credit cards were successfully matched to your 640 FICO score. Restart search Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000. No Fees – No annual fees and no fees to use your card.

Which is the best credit card for 600 to 650?

18 Best Credit Cards for 600 to 650 Credit Scores. 1. Merrick Bank Double Your Line™ Platinum Visa® Credit Card. 2. Fingerhut Credit Account. 3. Credit One Bank® Platinum Visa®. 4. Discover it® Secured. 5. Capital One® QuicksilverOne® Cash Rewards Credit Card.

What can I do with a credit score of 600?

What you can get with a 600 to 650 credit score is a solid unsecured credit card or a low-fee secured card that will allow you to build credit and, maybe, earn some rewards.