What does it mean when it says that I am pre-approved or pre-qualified for a Seen Mastercard®?
Being “pre-approved” or “pre-qualified” means that a soft inquiry on your credit report was pulled to see if you met the qualifying criteria. This did not affect your score.
Being “pre-approved” or “pre-qualified” does not guarantee that you will be approved for credit. After you complete your application, we will place a hard inquiry on your credit report and determine whether you continue to meet our credit criteria.
Will applying for a Seen Mastercard® require a hard credit check?
Yes, it will. If you submit an application for a Seen Mastercard® credit card, we will have to perform a hard inquiry on your credit report to determine your eligibility. This may affect your credit score.
Is Seen Mastercard® an unsecured credit card?
Seen Mastercard® is an unsecured card, also known as a traditional credit card. While you can connect an external U.S. bank account to make seamless credit card payments, Seen will neither ask you for a security deposit nor require you to open a checking account with us.
Why should I get the Seen Mastercard®?
Good question. It can be tough to get approved for a credit card or loan with a low credit score or a limited credit history. Seen offers its unsecured credit card to individuals who want to improve their credit because we believe that everyone deserves a fair and affordable opportunity to strengthen their credit.
Why can’t I get approved for a credit card?
Good question. It can be tough to get approved for a credit card or loan with a low credit score or a limited credit history. Seen offers its unsecured credit card to individuals who want to improve their credit because we believe that everyone deserves a fair and affordable opportunity to strengthen their credit.
How can I get a credit card with a low credit score?
Even with a low credit score, you still have options for getting a credit card. Secured credit cards require a refundable deposit, which becomes your credit limit. You can also look for cards designed for those who have lower credit scores and are starting to build or rebuild their credit or “rebuilding” credit and use prequalification tools to check your chances without affecting your score. Seen believes everyone deserves an opportunity to build their credit. We’re working to break down the traditional barriers to credit and make credit cards more accessible.
What credit score do I need for a credit card?
Different credit cards are designed for different credit scores. Most credit cards for“excellent” or “good” credit require higher scores, but there are also options for people with lower scores or no credit history, including Seen Mastercard®. The best way to start is to see if you prequalify. After you complete your Seen credit card application, a hard inquiry on your credit report will determine whether you meet the credit criteria for a Seen Mastercard® credit card.
How can I rebuild credit after missed payments?
Rebuilding credit after missed payments takes time, but it’s possible with consistent, positive steps. Start by bringing any past-due accounts current as soon as you can because payment history often has the biggest impact on your credit score. Focus on making on-time payments every month, even if you can only manage the minimum payment. Set up reminders or automatic payments to help you stay on track.
How can I use a credit card to build credit safely?
You can use a credit card to build credit safely by making small, manageable purchases and paying your bill on time every month. Payment history is often the biggest factor in your credit score, so consistently making payments can help, though paying the full balance avoids interest. Your Seen Mastercard® credit card may help you build credit. Keep your balance low and make on-time payments each billing cycle. With every on-time payment, your credit history lengthens and your payment history becomes stronger.