Big O Tires Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Mar 27, 2023

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We generally only recommend Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires 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 Big O Tires Credit Card

If your credit score is preventing you from qualifying for Big O Tires 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 Big O Tires Credit Card. Not to mention all the other benefits that come with a great credit score!

How to Make the Most of Your Big O Tires Credit Card

Making use of the Big O Tires Credit Card is an excellent way to finance your vehicle's repairs, new tires or other relevant automotive purchases, but it can also help you save money and receive rewards. To extract the maximum benefits of your Big O Tires Credit Card, follow these tips:

  • Leverage the promotional offers. 

The Big O Tires Credit Card usually has customized financing offers, such as an interest-free period. Ensure that you utilize these offers wisely, as they can assist you in saving a considerable amount of cash in interest fees.

  • Earn rewards provided by the card. 

Every time you make use of your Big O Tires Credit Card, you earn points that are redeemable for discounts on future purchases. Be sure to look out for exclusive bonus point promotions on your account on a regular basis.

  • Pay off your balance in full each month.

It's essential to pay your balance for the Big O Tires Credit Card promptly and in full so as to obviate late fees and interest charges.

The Benefits of Having a Good Credit Score

Sustaining an adequate credit score is imperative for various reasons. Here are some of the advantages you can get by having a good credit score:

  • Benefit from lower interest rates.

If you have a good credit score, you stand a high chance of qualifying for lower interest rates on loans and credit cards. In the long run, this can assist you in saving a substantial amount of money in interest charges.

  • Have loan and credit card approval at your fingertips.

Lenders are more likely to approve your applications for credit cards and loans if you have a good credit score. Therefore, you can avail the credit you want when you require it.

  • Enjoy better rental and job prospects.

Credit scores are often scrutinized by landlords and employers while reviewing applications. When you have a good credit score, you can secure a rental or job that you might not otherwise be eligible for.

  • Pay less for insurance.

Several insurance companies practice the use of credit scores to evaluate insurance premiums. With a good credit score, you are likely to get eligible for lower rates of insurance.

Through sustaining an adequate credit score, you can save money, access credit whenever you require it and gain better opportunities regarding numerous areas of life.

Looking for help with Big O Tires Credit Card?

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