What kind of credit score do you have to have to get an old navy credit card ?

Question

What kind of credit score do you have to have to get an old navy credit card ?

Answer 1

I work at O.N. and I process credit card applications all the time, however, we are not given any information about the applicant's credit history or credit score - the register just tells us if you are approved or not.  

There are 2 versions of the Old Navy Card (ONC) -- the regular ON store card, which you can use at Banana Republic and Gap, AND also, certain customers get approved for the Old Navy Visa.  There is no annual fee to have the card and no fee to apply for it.

When you apply for the card, 1 of 3 things will happen:

(1) you'll get approved for the store card only

(2) you'll get approved for the Old Navy Visa

(3) you won't get approved for either.

No one can tell you of your chances of getting approved. It all depends on your credit history and whether or not GE MoneyBank (they "own" the ONC) will approve you for one.  It depends on the person's credit history, but the Old Navy Visa will typically have a higher credit limit then the regular store card. As for the interest rate, it's high. If you'll be keeping a balance on the card, it's probably not a good idea, but if youre paying it off then it doesnt matter.

When you are approved for the "regular ONC" you get:

- 10% off your purchase on the day you open the card

- a set of coupons for 10% off your next purchase at ON, Gap, Banana Republic and Piperlime.com

- your purchase will automatically be applied to your new card, allowing you start earning your rewards points.

- you get 5 points for every $1 you spend at a Gap Inc store (and online) when you use your card

- $200 spent = $10 rewards. The rewards can be redeemed at any Gap Inc brand and also online.

If by chance you get approved for the ON Visa, everything I said above is the same, but since it's a Visa, you can use it anywhere Visa is accepted and earn 1% back (1 point for every $1) -- You still get the 5% for spending at Gap Inc stores, but 1% back when you spend anywhere else.

Answer 2

I believe their lending is a little less serious than for traditional cards. Store cards are not that great since they offer lower limits and way higher interest rates. I would nix the Old Navy and get a Visa or Mastercard and just shop wherever you want.

Answer 3

As long as you can print your name out on the dotted line

that is enough to qualify

or even just mark an x on the bottom line

should do it

they have pretty high standards @ Old Navy LOL