True Value Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Apr 04, 2023

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We generally only recommend True Value 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 True Value 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 True Value 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 True Value 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 True Value 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 True Value 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 True Value 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 True Value 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 True Value Credit Card

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

Maximizing the Benefits of Your True Value Credit Card

If you are a frequent patron of True Value stores, acquiring a True Value Credit Card can grant you opportunities to earn incentives and save money on your purchases. To get the most value out of your card, it is imperative to leverage the advantages it offers. One of the most important benefits is the rewards program, which enables you to earn points for every dollar spent at True Value stores or while shopping online. You may redeem your points for discounts, free merchandise, or other rewards. Moreover, the card provides exclusive financing options and special discounts throughout the year. To boost the benefits of your True Value Credit Card, it is essential to use it for all your True Value store purchases and remain updated about the latest offers and promotions.

The Benefits of Having a Good Credit Score

Maintaining a good credit score can carry immense significance in your financial life. With a good credit score, you can secure lower interest rates on loans and credit cards, giving rise to thousands of dollars in savings over time. Moreover, it can simplify acquiring a mortgage, renting an apartment, or even obtaining employment. To put it succinctly, a good credit score approximates a score of 670 or higher, although the higher your score, the greater the benefits.

To enhance your credit score, it is advisable to ensure timely bill payments, maintain low credit utilization, and routinely inspect your credit report for inaccuracies or errors. Building and sustaining a good credit score necessitates time and dedication, but the advantages that accompany it are undoubtedly worthwhile in the end.

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