We generally only recommend American Furniture Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.
Is American Furniture Credit Card a good credit card for me?
Every situation is different, so it's hard to give a blanket recommendation on whether or not American Furniture Credit Card is the right card for you.
However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.
Is American Furniture Credit Card worth it?
There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not American Furniture Credit Card is worth it for you.
We recommend considering the following when looking into getting any credit card (as a starting point at least):
- Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
- Are there are signup bonuses available with this card?
- What annual fees does it have?
- Are there penalty APRs?
- Does it have an interest free period, and if so, how long is it?
- How does it's APR compare to other cards?
- How does the rewards/points system work?
What are the approval odds for American Furniture Credit Card?
The approval odds are going to be heavily dependant on your credit score, income & expenses.
If you have a credit score of 750+, you can basically get approved for most credit cards, including the American Furniture Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.
What credit score do I need for American Furniture Credit Card?
A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.
Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).
Improve your credit score BEFORE applying for American Furniture Credit Card
If your credit score is preventing you from qualifying for American Furniture Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.
Once we've improved your score for you, you'll be in a much better place to apply & get approval for American Furniture Credit Card. Not to mention all the other benefits that come with a great credit score!
How to Maximize the Benefits of Your American Furniture Credit Card
If you have an American Furniture Credit Card, there are many ways to take advantage of its benefits. Make sure to sign up for any sign-up bonus or introductory offer presented, such as a discount on your first purchase or zero percent interest for a specified period.
Utilize the card regularly so that you may receive rewards points or cashback and always pay off the balance in full every month to avoid any additional interest charges.
Look out for exclusive promotions or discounts that offer special sales or limited-time offers catered specifically to cardholders.
Lastly, keep track of your account at all times and check it often to make sure that you are taking full advantage of your credit card's benefits.
The Upside of Having a Great Credit Score
Having a great credit score can bring many advantages. These include access to better interest rates, easier approval of loans and credit cards, more options when renting an apartment, buying a car or getting a mortgage, and peace of mind. A higher credit score makes you a less risky borrower in the eyes of lenders and landlords and can open up new opportunities for you. To maintain a good credit score, pay your bills on time and keep your credit utilization low. You'll reap the benefits of having a strong credit history for years to come!