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Four steps from your score to a decision: check the number, compare APR, run the cost, pick the lane.
The route
Four steps to a credit decision
The order the desk uses: the score comes first, the total cost decides, the calculators do the arithmetic.
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Check the score
The 300–850 band sets which products and prices open up; check where you stand before comparing anything.Credit Score -
Compare APR, not the headline
APR folds interest and fees into one yearly number — the number readers keep asking about.Credit Cards -
Run the numbers
Monthly payment and total cost over the term come out of the calculator, not from a rounded headline rate.Calculators -
Pick the lane
A better rate on existing debt is refinancing; a thin file is a secured card; a report mistake is a dispute.Refinancing