Excellent Credit (FICO: 750 - 850)

All these statements are true for you: I have had a loan or credit card for at least 5 years

• I have a credit card with a credit limit greater than $10,000
• I have NEVER been more than 60 days late on a credit card, medical bill or loan payment
• I have never declared bankruptcy

Please check out Excellent Credit Credit Cards

Good Credit - Above Average Credit (FICO: 660 - 749)

All these statements are true for you: I have had a loan or credit card for three years or more

• I have had a credit card with a limit above $5,000
• I have not been more than 60 days late on any credit card, medical bill, or loan payment in the last year

Please check out Good Credit Credit Cards

Fair Credit - Credit That Needs Some Improvement (FICO: 620 - 659)

All these statements are true for you: I currently have or have had a U.S. loan or credit card

• My credit limit on a current credit card, if any, is less than $5,000
• I may have been late on more than one credit card, medical bill, or loan payment in the last six months

Please check out Fair Credit Credit Cards

Poor or Bad Credit - Limited Credit History (FICO: 350 - 619)

At a minimum all of these statements are true for you. Please note these are minimum requirements and meeting these criteria does not guarantee approval.

• I have had my own credit card for less than three years or never had one
• I have a limited credit history, for example I am a student, or new to the country, or a young person working for a living, or I have been an authorized user on someone else's credit card
• I have a valid credit score that can be found at one of the major credit reporting companies.
  (In some cases, a valid credit report is sufficient to be eligible for a credit card.)

Please check out Bad Credit Credit Cards