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How to Find Credit Cards that Rely on Equifax Only

Sophia FloerschVerified
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Summary：Looking for credit cards that rely on Equifax only? Check the company's website, utilize online comparison tools, and consider secured credit cards. Compare interest rates, rewards programs, and fees when applying for a credit card.

How to Find Credit Cards that Rely on Equifax Only

When searching for a credit card, it's important to consider the credit bureau that the company relies on to determine your creditworthiness. Some credit card companies solely rely on Equifax credit reports, while others use multiple credit bureaus. If you prefer to apply for a credit card that only uses Equifax, there are a few steps you can take to streamline your search.

Step 1: Check the Credit Card Company's Website

The first step when searching for a credit card that relies on Equifax is to check the company's website. Many credit card companies will specify which credit bureau they use to determine creditworthiness, so be sure to read the fine print. If the website doesn't provide this information, consider contacting the credit card company's customer service department for more information.

Step 2: Utilize Online Comparison Tools

If you're having difficulty finding a credit card that relies on Equifax, consider utilizingonline comparison tools. These tools allow you to compare credit cards from multiple companies side-by-side, making it easier to identify which credit cards use Equifax. Additionally, many online comparison tools provide additional information about each credit card, such asinterest rates,rewards programs, and fees.

Step 3: Consider Secured Credit Cards

If you have a low credit score or little credit history, you may want to consider applying for a secured credit card. Secured credit cards require a deposit, which acts as collateral in case you default on your payments. Because of this added security, many secured credit card companies only rely on Equifax credit reports.

Tips for Applying for a Credit Card

When applying for a credit card, there are a few things to keep in mind to increase your chances of approval and avoid unnecessary fees.

- Check your credit score: Before applying for a credit card, check your credit score. This will give you an idea of which credit cards you may be eligible for.

- Compare interest rates: Be sure to compare interest rates between different credit cards. High-interest rates can quickly add up, especially if you carry a balance from month to month.

- Look for rewards programs: Many credit cards offer rewards programs, such as cashback or points, for purchases made with the card. Be sure to compare rewards programs to find one that fits your lifestyle and spending habits.

- Watch out for fees: Many credit cards come with annual fees, balance transfer fees, or foreign transaction fees. Be sure to read the fine print to avoid unnecessary fees and charges.

- Make payments on time: Making payments on time is crucial for maintaining good credit and avoiding late fees and interest charges.

In conclusion, finding a credit card that solely relies on Equifax credit reports may take a bit of research, but it's possible. Utilize online comparison tools, check the credit card company's website, and considersecured credit cards. Additionally, be sure to compare interest rates, rewards programs, and fees when applying for a credit card. By following these tips, you can find a credit card that fits your needs and helps you build good credit.

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