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If you want to be approved for a credit card from the most common credit card issuers (Discover, Chase, Wells Fargo), you better have a good credit score. If you don’t have a good credit score or you don’t have credit, these types of credit cards are not your best option to get started building your credit.
While your credit profile plays a big role in if you get approved or don’t, there’s 5 main factors that make up your credit scores.
Credit Card Utilization