Credit Cards with $2000 Limit Guaranteed Approval in April 2024

Are you looking for Credit Cards with $2000 Limit Guaranteed Approval? If Yes then you have stumbled at the right place.

Recently, I was searching for a credit card company that provides at least a $2000 Limit credit card because I had a credit card with fewer limits. during my research, I found some Credit Cards with $2000 Limit Guaranteed Approval for people with bad credit. I was skeptical but applied and was approved. I used the card responsibly, and my credit score improved.

With my experience, I will share all the information on how to get Credit Cards with $2000 Limit Guaranteed Approval in this article.

Credit Cards with $2000 Limit Guaranteed Approval

If you are looking for credit cards with $2,000 limit guaranteed approval, these are the best options:

Credit Card	Details
Capital One Platinum Credit Card	Learn More
Surge Platinum Mastercard	Learn More
OpenSky Secured Visa Credit Card	Learn More
Capital One Quicksilver Secured Cash Rewards	Learn More
Reflex Platinum Mastercard	Learn More

Today, everyone needs a credit card. It has become a necessity for people of all ages. Everyone wants to have a credit card, whether they are teenagers or adults. It sounds fancy and is a dream for some, however. Credit cards are currently sought after by everyone.

The limit on each credit card makes it possible to spend the available amount.

The problem is that some of you might have fulfilled the credit card requirements but needed help to get a credit card. Are you one of them as well? A poor credit score might cause it. Your search for different credit cards and their features ends here. If yes, then you have come to the right place.

Credit cards offer tailored options that can make a big difference when it comes to maximizing benefits. Those who shop online regularly enjoy the help of the best credit cards for online shopping, which convert digital purchases into cost-effective indulgences. Those who care about tangible savings can turn to the best cash back credit cards, which offer real money back on each transaction.

When families are juggling groceries and gas expenses, the best credit cards for groceries and gas can come to their rescue, offering substantial rewards. By leveraging these cards, you simplify financial choices and add a layer of practicality that will help you spend smarter.

Is Getting Credit Cards with $2,000 Limit Guaranteed Approval Good?

Credit Cards with $2,000 Limit Guaranteed Approval are good for people with bad credit. There are few unsecured credit cards available for consumers with subprime credit scores. The following is a list of five low-interest Credit Cards with $2000 Limit Guaranteed Approval for people with bad credit, some of which do not require a security deposit. 

Most banks offer Credit Cards with $2000 Limit Guaranteed Approval and tons of benefits that can help people save money on every purchase they make. Some banks also offer Credit Cards with $5000 Limit Guaranteed Approval or Credit Cards with $10000 Limit Guaranteed Approval, which can be a great option for people who need a higher credit limit. Most credit cards are based on a ‘buy before and pay later’ model, which allows people to pay their respective bills over a longer period.

These credit cards allow card members to improve their credit history by making timely payments and providing them with purchasing power. If you achieve that worthy goal, you will have access to the best credit card offerings with higher spending limits. Then again, that’s alright.

What Is a Credit Cards with $2000 Limit Guaranteed Approval?

Getting a pre-approved credit limit as high as $2,000 with a credit card with a 2000 limit is possible. The process is simple: The amount spent on eligible purchases is deducted from the balance when the card is used. Your credit limit increases as you make repayments, allowing you to continue using the card for purchases up to that amount.

Cardholders must make at least a minimum payment of 5% of their outstanding balance each month. An individual who does not make this payment on time may be subject to penalties, increased interest rates, and a negative impact on their credit score.

The financial flexibility a $2,000 credit limit card provides is one of its main advantages. While maintaining control over their spending habits, cardholders can cover unexpected expenses, make essential purchases, or even consolidate high-interest debt.

Note – If you are a US postal employee, you can get Allotment Loans for Postal Employees with Bad Credit. If you don’t have credit card and you are a Postal Employee you can get benefit of it.

How Do I Choose Credit Cards with $2000 Limit Guaranteed Approval?

Credit cards with a $2000 limit guaranteed approval or an extended 0% intro APR offer should have a low interest rate. The balance transfer fee can be high, but you’ll save on interest charges if you occasionally carry a balance.

You should also be sure that the card doesn’t charge annual fees or hidden charges since these can quickly erode the benefits you receive from it. It is also important to consider rewards programs. A good credit card should provide competitive rewards, such as cashback, points, or miles, which can be used to purchase items, travel, or receive statement credits.

Look for a credit card that offers extra points when you spend money on categories such as groceries, gas, or dining. You should also be able to use the $2000 limit with easy-to-use mobile apps for managing your account, as well as fraud liability protection and complimentary insurance coverage.

It offers a range of advantages that protect your finances and enhance your user experience. Pay your credit card bills on time to avoid being charged a high penalty APR for late payments. You may incur excessive fees due to unforeseen circumstances despite paying your bills on time and staying within your limit.

If you are not eligible for a $2000 credit card, then you can get No Credit Check Credit Cards Instant Approval No Deposit.

How to Apply For Credit Cards with $2000 Limit Guaranteed Approval?

Applying for a $2,000 limit may seem daunting, but be confident! The following step-by-step guide will guide you through the application process so that you can secure financial freedom and purchasing power.

• Identify and Compare Offers: Compare cards offering $2,000 limits, rewards programs, and additional benefits to determine which is best for you, such as 60,000 bonus points.
• Do a Credit Check: If you want to increase your chances of approval, make sure your credit score is at least 580. Various online platforms or your bank offer free credit score tools.
• Collect the Required Documents. You will need your social security number, proof of income, and proof of address. The more readily available these documents are, the faster the application process will be, and the less likely a credit will be issued for application fees.
• Apply Online. You can find the application form for the specific card you’re interested in by visiting the issuer’s website. Make sure you complete the application form accurately with up-to-date information, such as your name, birth date, email address, etc., and double-check all information before submitting it.

List of 5 Credit Cards with $2000 Limit Guaranteed Approval

You usually cannot get a credit card from a bank if your credit score is bad or you don’t meet the criteria. In this case, you can choose from a wide range of Credit Cards with $2000 Limit Guaranteed Approval for each credit card.

Here are the list 5 of Credit Cards with $2000 Limit Guaranteed Approval –

Capital One Platinum Credit Card

If you are looking for Credit Cards with $2000 Limit Guaranteed Approval, then there is no better credit card than Capital One Platinum. This is the best unsecured card with fair credit, according to research. It’s possible to get a low credit limit at the beginning of a card account, but the line can rise to $3000 later.

Capital One Platinum comes with a competitive interest rate. Late payments are not penalized, and individuals have unlimited fraud protection.

Benefits Capital One Platinum Credit Card

• The application process can be completed within seconds, with no annual fee or hidden charges.
• The credit scores automatically improve when you continue to use the service for about six months.
• Provides free monitoring of your credit score whenever you want.
• You can access your account with no hassle or difficulty.

Pros & Cons of Capital One Platinum Credit Card

Pros:

• This Credit card has no annual fee, which can save you money in the long run.
• This means that the card is not backed by a security deposit, making it easier to get approved if you have bad credit.
• The Capital One Platinum Credit Card has a low credit limit of $300, this card can help you manage your spending and avoid debt.
• You may be eligible for a credit limit increase after six months of on-time payments.
• The Capital One Platinum Credit Card reports your payment history to all three major credit bureaus, which can help you build your credit.

Cons:

• This Credit Card has a high APR of 26.99%, which means you will pay a lot of interest if you carry a balance.
• The Capital One Platinum Credit Card does not offer a rewards program, so you will not earn cash back or points for your purchases.
• Other fees are also associated with the Capital One Platinum Credit Card, such as a late payment fee, returned payment fee, and foreign transaction fee.

Rates & Fees of Capital One Platinum Credit Card

Here are the Rates and fees of Capital One Platinum Credit Card that you can see and decide whether to get it.

Fee	Description
Annual fee	$0
Purchase APR	30.49% variable
Cash advance APR	29.99% variable
Balance transfer APR	30.49% variable
Cash advance fee	Either $3 or 3% of the amount of each cash advance, whichever is greater
Balance transfer fee	3% of the amount of each balance transfer
Late payment fee	Up to $40
Returned payment fee	Up to $35

Surge Platinum Mastercard

This is one of the best options for Credit Cards with $2000 Limit Guaranteed Approval. Regarding the Surge Platinum Mastercard, there is no doubt that the limit is higher. On the other hand, it accepts the poorest credit scores as well. The annual fee of this credit card (common to all credit cards) must be paid to make it yours.

Surge Platinum cards have a monthly fee. However, once you start using one, it is free for the first year. With this credit card, you can save on every purchase you make.

You will be asked to provide the necessary documents when applying for a Surge Platinum Mastercard.

Benefits of Surge Platinum Mastercard

• No credit type cannot be accepted. There is a maximum of $1000 served, and you can even double up to $2000. Keeping in mind just six monthly payments is all you have to do.
• It is quick and easy to use and usually results in a few seconds.
• Accounts are easily accessible by individuals (24×7).
• You will receive your statements via email or phone when you register.
• The surge card can also be ordered with a premium design (for an additional fee).

Pros & Cons of Surge Platinum Mastercard

Pros:

• The Surge Platinum Mastercard has no credit score requirement so you can be approved even with bad credit.
• The annual fee is $75 to $125 the first year; after that, it’s $99 to $125 annually.
• You may be eligible for a credit limit increase after six months of on-time payments.
• The Surge Platinum Mastercard reports your payment history to all three major credit bureaus, which can help you build your credit.
• You are not responsible for fraudulent charges on your card.

Cons:

• The APR is 29.99%, higher than many other credit cards.
• The Surge Platinum Mastercard does not offer a rewards program, so you will not earn cash back or points for your purchases.
• Other fees are also associated with the Surge Platinum Mastercard, such as a late payment fee, returned payment fee, and foreign transaction fee.

Rates & Fees of Surge Platinum Mastercard

Here are the Rates and fees of Surge Platinum Mastercard that you can see and decide whether to get it.

Fee	Description
Annual fee	$75 to $125 the first year, after that $99 to $125 annually.
Monthly maintenance fee	$0 the first year, after that $0 to $10 per month (up to $120 annually).
Cash advance APR	29.99%.
Purchase APR	29.99% variable.
Cash advance fee	Either $10 or 3% of the amount, whichever is greater.
Foreign transaction fee	3%.
Late payment fee	Up to $41.
Returned payment fee	Up to $35.

OpenSky Secured Visa Credit Card

A secured Visa credit card from OpenSky is one of the Credit Cards with $2000 Limit Guaranteed Approval. The credit card is expected to be available in August 2023. You can get the card at Capital Bank.

It is possible to get ahead with a limit of around $3000 (also depending on your security).

The cardholder can also request to increase the limit based on their needs. You can choose this option if you’re seeking the best credit card (without a credit check).

Benefits OpenSky Secured Visa Credit Card

• Apply directly and instantly without checking your credit score 
• The credit score can be improved easily with this tool. The average rate of improvement was 85%.
• An OpenSky account makes it easy to view your FICO score.
• After six monthly payments, the credit line is incremented.

Pros & Cons OpenSky Secured Visa Credit Card

Pros:

• No credit check is required
• Can help build or rebuild credit in as little as two months
• Lower variable APR than some other secured credit cards (Read: Best Low Interest and 0% APR Credit Card)
• Higher limit of up to $3,000
• This Card Reports credit activity to the three major credit bureaus

Cons:

• $35 annual fee
• Requires an upfront cash deposit
• The APR is 22.39%, higher than many other credit cards.
• May charge high fees and interest charges if you fail to make payments on time
• Many other secured credit cards don’t charge an annual fee

Rates & Fees of OpenSky Secured Visa Credit Card

Here are the Rates and fees of OpenSky Secured Visa Credit Card that you can see and decide whether to get it.

Fee	Description
Annual fee	$35.00
Security deposit	$200 to $3,000.
Purchase APR	22.39% variable.
Cash advance fee	Either $6 or 5% of the amount, whichever is greater.
Foreign transaction fee	3%.
Late payment fee	Up to $38.
Returned payment fee	Up to $25.

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver credit cards offer varying limits based on deposits made. A deposit of $200 to $2500 is usually required. If you can deposit $2000 as security, then it can be the best option for Credit Cards with $2000 Limit Guaranteed Approval.

The more reliable you are with your payments, the more likely it is to increase. This will allow you to increase your credit limit and expenses without thinking twice. Capital One Quicksilver comes in handy when we have to take a lot of products.

Benefits of Capital One Quicksilver Secured Cash Rewards Credit Card

• You can also earn unlimited cashback with no hidden fees.
• Gets you ahead of the process in seconds.
• Capital One Quicksilver Secured Cash Rewards Credit Card is the best credit card to use if you are looking to build your credit score.
• To avoid any unauthorized charges, there is no fraud liability.
• Pay your first payment on time and earn back your security deposit.

Pros & Cons of Capital One Quicksilver Secured Cash Rewards Credit Card

Pros:

• This card has no annual fee, which can save you money in the long run.
• After 8 months of on-time payments, you may be eligible to graduate with an unsecured card, which means you will no longer need to make a security deposit.
• You will earn 1.5% cash back on all purchases, which can help you save money on your everyday spending.
• There is no foreign transaction fees on this card, which helps you to save money when you travel internationally.
• This credit card reports to all three major credit bureaus when you make on-time payments
• , which can help you build your credit history.

Cons:

• You have to make a security deposit of at least $200 when you apply for this card.
• The APR is 26.99%, higher than many other credit cards.
• There is no late payment forgiveness, so you will be charged a late payment fee if you miss a payment.
• No sign-up bonus is a common perk offered by other credit cards.

Rates and Fees Capital One Quicksilver Secured Cash Rewards Credit Card

Here are the Rates and fees of the Capital One Quicksilver Secured Cash Rewards Credit Card that you can see and decide whether to get it.

Fee	Description
Annual fee	$0
Security deposit	$200 minimum
Purchase APR	30.49% variable
Cash advance fee	Either $10 or 3% of the amount, whichever is greater
Foreign transaction fee	3%
Late payment fee	Up to $40
Returned payment fee	Up to $30
Rewards	Earn 1.5% cash back on all purchases

Reflex Platinum Mastercard

Reflex Platinum Mastercard is one of the best options if you want to get Credit Cards with a $2000 Limit Guaranteed Approval. This credit card has a $2000 limit and an approval guarantee. You can block the $2000 limit on this credit card. The first payment series usually achieves this once you open an account.

A credit card with this type of annual fee has its available limit reduced by the annual fee amount. With an initial limit of $1000, you get instant approval.

Benefits of Reflex Platinum Mastercard

• The Reflex Platinum Mastercard comes with a $2000 limit and guaranteed approval. The credit card allows you to block a limit of $2000. It usually takes one or two payments to achieve this.
• It is common for the annual fee to be deducted from the credit limit with this type of credit card. With an initial limit of $1000, you get instant approval.

Pros & Cons of Reflex Platinum Mastercard

Pros:

• Anyone can be approved, even if you have bad credit.
• The annual fee is $75 – $125, which is lower than many other credit cards.
• After 6 months of on-time payments, you may be eligible for a credit limit increase.
• Your on-time payments will be reported to three major credit bureaus, which helps you to build your credit history.
• This means that you are not responsible for fraudulent charges made on your card.

Cons:

• The APR is 29.99%, higher than many other credit cards.
• The card does not offer a rewards program, so you will not earn cash back or points for your purchases.
• Other fees are associated with the Reflex Platinum Mastercard, such as a late payment fee, returned payment fee, and foreign transaction fee.
• The initial credit limit is $1,000, which can be doubled to $2,000 after 6 months of on-time payments.

Rates and Fees Reflex Platinum Mastercard

Here are the Rates and fees of Reflex Platinum Mastercard that you can see and decide whether to get it.

Fee	Description
Annual fee	$75 - $125 the first year, after that $99 - $125 annually.
Monthly maintenance fee	$0 - $120 (billed at $10 per month).
Cash advance APR	29.99%.
Purchase APR	29.99% variable.
Cash advance fee	Either $10 or 3% of the amount, whichever is greater.
Foreign transaction fee	3%.
Late payment fee	Up to $41.
Returned payment fee	Up to $35.
Rewards	None.

Here is the table Credit Cards with $2000 Limit Guaranteed Approval-

Feature	Capital One Platinum Credit Card	Surge Platinum Mastercard	OpenSky Secured Visa Credit Card	Capital One Quicksilver Secured Cash Rewards	Reflex Platinum Mastercard
Annual fee	$0	$49	$35	$0	$29
APR	30.49% Variable	26.99% variable	26.99% variable	16.49% – 27.49% variable	26.99% variable
Rewards	None	None	None	1.5% cash back on all purchases	1% cash back on all purchases
Welcome bonus	N/A	N/A	N/A	N/A	N/A
Sign-up bonus	N/A	N/A	N/A	N/A	N/A
Credit score required	Fair	Bad	Bad	Fair	Fair
Initial credit limit	Up to $3000	Up to $1000	Up to $2000	Up to $2500	Up to $1000
Foreign transaction fees	Yes	Yes	Yes	Yes	Yes
Late payment fee	Up to $40	Up to $40	Up to $40	Up to $40	Up to $40
Other fees	None	None	None	None	None
Benefits	No annual fee, no hidden charges, free credit score monitoring, easy account access	No credit check, guaranteed approval, monthly fee waived for the first year	No credit check, guaranteed approval, ability to request a credit limit increase after 6 months	No annual fee, no hidden charges, unlimited cash back, no fraud liability, security deposit returned after 12 months of on-time payments	No annual fee, guaranteed approval, ability to block a $2000 credit limit after 1 or 2 payments

Note: We have listed these credit cards according to our ranking. We rank cards based on various factors, including fees, interest rates, rewards, and customer service. We also consider factors such as the card issuer’s reputation, the card’s security, and the ease of use. We aim to provide a comprehensive list of the best credit cards available.

Video Guide for Credit Cards with $2000 Limit Guaranteed Approval

Benefits of Credit Cards with $2000 Limit Guaranteed Approval

Credit cards with $2000 limits and guaranteed approval offer numerous benefits. They are the ideal solution for accessing additional funds for unexpected expenses, such as travel accommodations and medical bills. Having a credit card with a $2000 limit can also help you establish and maintain good credit over time.

Through this wonderful opportunity, customers will be able to achieve financial stability and access a wider range of credit options in the future. Those seeking an easy way to boost their financial security can benefit from a card with predictable fees and low interest rates.

What Is the Minimum Credit Score Required For Credit Cards with $2000 Limit Guaranteed Approval?

It depends on several factors, but a credit score of at least 580 is considered good for getting Credit Cards with $2000 Limit Guaranteed Approval.

• However, some issuers may have a lenient policy, which means they will accept applications with low credit scores, while others will require a higher score.
• This is one way credit card issuers assess the risk consumers face when using their credit cards to obtain cash advances.
• A higher credit score indicates a lower risk, as the person has demonstrated the ability to manage their credit limits responsibly by maintaining a low balance and making timely payments.
• The lower the score, the higher the likelihood that the applicant will default on their card balance due to late payments or high debt levels.

Factor	Impact on Credit Card Approval
Credit score	A credit score of at least 580 is considered good for getting a credit card with a $2,000 limit guaranteed approval. However, some issuers may have a lenient policy and accept applications with lower scores, while others will require a higher score.
Issuer's policy	Some issuers have a more lenient policy than others when it comes to approving credit cards for people with bad credit. It's important to research the policies of different issuers before applying for a credit card.
Credit history	A good credit history shows that you have a history of making timely payments and managing your credit responsibly. This will make you a more attractive applicant to credit card issuers.
Income	A steady income shows that you have the ability to repay your credit card debt. Issuers will consider your income when making a decision about whether to approve your application.
Debt-to-income ratio	Your debt-to-income ratio is the percentage of your monthly income that goes towards debt payments. A high debt-to-income ratio can make it more difficult to get approved for a credit card.

How to Increase Your Chances of Getting the Maximum Credit Card Limit?

You can increase your unsecured credit limit by meeting several criteria, including your income, credit history, expenses, debts, and the Credit limits on another card you already have.

If you use a secured credit card, your limit is limited to your deposit amount. It’s important to realize that the faster you switch to an unsecured account, the better.

The four months you have to use this account before applying for an unsecured account is a great opportunity to create the financial habits that will enable you to increase your limit and avoid the debt trap.

Here are some of the factors that help you to increase your credit limit –

You can increase your Credit Cards with $2000 Limit Guaranteed Approval based on several factors:

How to Find the Right Credit Cards with $2000 Limit Guaranteed Approval?

Several credit cards offer guaranteed approval, but finding the right one is important. Using a low-limit card with a $2000 credit limit can develop a history of responsible credit use while reducing your risk of overspending.

If you are searching for the right credit card, consider whether you need features such as travel rewards or cash back. Knowing what type of spending and usage you’ll be doing can help you narrow down the selection process.

Issue Your Credit Card with a Fair Limit or Credit Cards with $2000 Limit with Guaranteed Approval

Saving a decent amount of money for day-to-day expenses is quite challenging. The facility of a credit card is provided there.

It is a good idea to own Credit Cards with good limits when it comes to expenses. However, it becomes increasingly more work to own one. As stated above, many of you need better credit scores or criteria to obtain a credit card.

You have undoubtedly faced similar concerns at some point, and they can be depressing. However, there is a solution to every problem, and credit cards are no exception.

Several credit cards are available with Guaranteed Approval Unsecured Credit Cards For Bad Credit and extended limits.

Credit Cards that provide $3000, $5000, $10,000 & $20000 Limits Guaranteed Approval

Credit Cards with $3000 Limits Guaranteed Approval

Here are some credit cards with a $3000 limit guaranteed approval:

• Capital One Secured Mastercard
•  OpenSky Secured Visa Credit Card
•  First Progress Platinum Elite Mastercard Secured Credit Card
•  Total Visa Unsecured Credit Card
•  Milestone Gold Mastercard

Note – Read Our Detailed Article on credit cards with a $3000 limit guaranteed approval, which will help you choose the best card.

Credit Cards with $5000 Limits Guaranteed Approval

Here are the 4 Credit Cards with $5000 Limits Guaranteed Approval

• Chase Sapphire Preferred Card
• Chase Sapphire Reserve
• Capital One Venture Rewards Credit Card
• Capital one venture X Credit Cards

Note – Read Our Detailed Article on credit cards with a $5000 limit guaranteed approval, which will help you choose the best card.

Credit Cards with $10000 Limits Guaranteed Approval

Here are the Best 5 Credit Cards with $10,000 Limits Guaranteed Approval

• American Express Platinum Card
• Ink Business Cash Credit Card
• Bank of America Premium Rewards Credit Card
• Chase Sapphire Reserve
• Chase Freedom Unlimited

Note – Read Our Detailed Article on credit cards with a $10000 limit guaranteed approval, which will help you choose the best card.

Credit Cards that provide $20000 Limit Guaranteed Approval

Here are some credit cards with a $20000 limit guaranteed approval:

• Chase Sapphire Reserve
• American Express Gold Card
• Ink Business Preferred Credit Card
• Capital One Venture X Rewards Credit Card
• Chase Sapphire Preferred Card

Note – Read Our Detailed Article on Credit Cards with $20000 Limit Guaranteed Approval, which will help you choose the best card.

FAQs Related to Credit Cards with $2000 Limit Guaranteed Approval

Is Getting a Credit Card with a $2,000 Limit Guaranteed Approval Possible?

Yes, several cards provide this option. These cards may require you to meet certain eligibility requirements. If you want to find the best deal, make sure you shop around for the best offers and interest rates.

Is It Worth Applying for a Credit Cards with $2000 Limit Guaranteed Approval?

Yes, it is worth getting Credit Cards with $2000 Limit Guaranteed Approval for bad credit if you do not have any credit history and cannot qualify for a student loan. The only disadvantage of this loan is its high interest rate.

What Minimum Monthly Payment Should I Make on My Credit Card Balance?

Lenders require a minimum monthly payment of 2% to 5% of the outstanding balance or at least a set amount based on the terms of your agreement. The goal should be to pay off as much as you can each month to avoid accruing interest and other charges.

What are Some Credit Card with $2,000 Limit for Bad Credit?

Yes there are some credit cards with $2,000 limit for bad credit available and some of them are First Progress Platinum Select Mastercard Secured Credit Card, First Latitude Platinum Mastercard Secured Credit Card, and Applied Bank Secured Visa Gold Preferred Credit Card.

What are Guaranteed Approval Credit Cards for Bad Credit?

Credit cards that offer guaranteed approval for bad credit typically have higher interest rates and fees to assist with credit rebuilding. Even though some credit cards advertise guaranteed approval, they often require specific requirements to qualify, such as a minimum income level and security deposit.

Disclaimer

Please note that the information provided on this page is solely for informational purposes. The information on the site is provided in good faith but is not guaranteed to be accurate, adequate, valid, available, or complete. A card issuer may conduct a credit check and other approval procedures before guaranteeing approval. Any decisions regarding credit approval lie solely with the card issuers since we are not a credit card issuer. Users must read any credit card’s terms and conditions before applying for it.