Credit Cards for Fair Credit

Credit scores that generally qualify for one of these cards are between 550 and 619**. Not sure what your credit score is? Sign up for a Free Score today. Once you know your credit score, match it to a list of credit cards options for your score.

Search Now on the CreditSoup.com secure website.
Cost
No Charge to Find Out if You're Eligible
Credit Limit
Varies Based On The Card You Choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for every credit score.
  • See if you're eligible with no impact to your credit.
  • Get personalized card offers in seconds.
  • Compare your offers and apply with confidence.
See additional details for Find The Card for You

Capital One QuicksilverOne Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Check Pre-Approval on the Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Regular APR
29.99% (Variable)
Annual Fee
$39
Check Pre-Approval on the Capital One® secure website.
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee
None
Credit Recommended
Average, Fair, Limited

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Rates & Fees

Imagine® Visa® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on the Imagine Card secure website.
Credit Recommended:
Fair/Poor
Credit Line
Up to $1,000 credit limit subject to credit approval
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Regular APR
29.99% or 36% Fixed
Apply Now on the Imagine Card secure website.
Annual Fee
As low as $99
Credit Recommended
Fair/Poor
Card Brand
Visa®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
  • The Imagine Card is issued by WebBank
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
    † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
See additional details for Imagine® Visa® Credit Card

Fortiva® Mastercard® Credit Card

Credit Recommended:
Fair
Apply Now on Fortiva's secure website.
Credit Recommended:
Fair
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Regular APR
29.99% or 36% Fixed
Credit Recommended
Fair
Apply Now on Fortiva's secure website.
Annual Fee
See Terms
Card Brand
Mastercard®
Foreign Trans Fee
3% of each transaction amount in U.S. dollars

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard® rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
See additional details for Fortiva® Mastercard® Credit Card

Arro Card

Credit Recommended:
All Credit Types Accepted
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Accepted
Regular APR
16% Variable
Credit Recommended
All Credit Types Accepted
Card Brand
Mastercard®
Apply Now on the issuer’s secure website.
Late Payment Fee
Up to $8
Return Payment Fee
None
Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)

Highlights

  • All credit types accepted.
  • Arro's soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
See additional details for Arro Card

PREMIER Bankcard® Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on the PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on the PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
See additional details for PREMIER Bankcard® Mastercard® Credit Card

First Digital Mastercard®

Credit Recommended:
Poor/Damaged/Fair
Apply Now on the First Digital secure website.
Credit Recommended:
Poor/Damaged/Fair
Regular APR
35.99%*
Cash Advance APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Apply Now on the First Digital secure website.
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Credit Recommended
Poor/Damaged/Fair
Program Fee
$95.00*

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details
See additional details for First Digital Mastercard®

Indigo® Mastercard® for Less than Perfect Credit

Credit Recommended:
Bad/Poor/Fair
Apply Now On the Indigo® Mastercard® secure website
Credit Recommended:
Bad/Poor/Fair
Annual Fee
$175 - $199
Regular APR
35.9%
Credit Recommended
Bad/Poor/Fair
Apply Now On the Indigo® Mastercard® secure website
Card Brand
Mastercard®
Foreign Trans Fee
1% of each transaction in U.S. dollars

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

FIT™ Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad
Apply Now on the Continental Finance secure website.
Credit Recommended:
Fair/Poor/Bad
Regular APR
35.90% Fixed
Annual Fee
See terms
Credit Recommended
Fair/Poor/Bad
Apply Now on the Continental Finance secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for FIT™ Platinum Mastercard®

Capital One Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Check Pre-Approval on the Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Regular APR
29.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Check Pre-Approval on the Capital One® secure website.
Foreign Trans Fee
None
Credit Recommended
Average, Fair, Limited
Product Type
ConsumerCard

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
See additional details for Capital One Platinum Credit Card
Rates & Fees

Prosper® Card

Credit Recommended:
Fico Score Of 600 Plus
Apply Now on the issuer’s secure website.
Credit Recommended:
Fico Score Of 600 Plus
Regular APR
23.49% - 34.99%
Annual Fee
$39 (waived for the first year if you sign up for autopay before your first statement)
Foreign Trans Fee
1% of the transaction amount
Apply Now on the issuer’s secure website.
Cash Advance APR
34.99% Variable
Cash Advance Fee
None
Minimum Interest Charge
No less than $1.00 (ME residents no more than $0.50)

Highlights

  • No annual fee for the first year with AutoPay (The annual fee for this credit card is $39, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement.)
  • No security deposit required
  • We don't charge fees for ATM cash withdrawals ( Third party fees may apply.)
  • Initial credit limit up to $3,000
  • We regularly report on your credit card performance to help you establish credit history
  • Zero fraud liability (which offers protection against unauthorized purchases)
  • While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com
  • Choose a monthly payment date that works for you
  • Free mobile app—MyProsperCard
  • Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International
See additional details for Prosper® Card
Rates & Fees

Reflex® Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad/Limited
Apply Now on the Continental Finance secure website.
Credit Recommended:
Fair/Poor/Bad/Limited
Regular APR
35.90% Fixed
Annual Fee
$75 - $125
Credit Recommended
Fair/Poor/Bad/Limited
Apply Now on the Continental Finance secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Reflex® Platinum Mastercard®
Rates & Fees

Destiny® Mastercard® with Instant Credit

Credit Recommended:
Poor to Good
Apply Now on the Destiny Mastercard® secure website.
Credit Recommended:
Poor to Good
Regular APR
See terms
Annual Fee
See terms
Credit Recommended
Poor to Good
Apply Now on the Destiny Mastercard® secure website.
Brand Name
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! - Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!
See additional details for Destiny® Mastercard® with Instant Credit

Surge® Platinum Mastercard®

Credit Recommended:
See website for Details*
Apply Now on the Continental Finance secure website.
Credit Recommended:
See website for Details*
Intro Rate
See website for Details*
Intro Period
See website for Details*
Regular APR
35.90% Fixed
Apply Now on the Continental Finance secure website.
Annual Fee
$75 - $125
Balance Transfer
See website for Details*
Credit Recommended
See website for Details*

Highlights

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Surge® Platinum Mastercard®
Rates & Fees

Upgrade Cash Rewards Visa®

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on the Upgrade secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Annual Fee
$0
Foreign Trans Fee
Up to 3%
Apply Now on the Upgrade secure website.
Regular APR
14.99% - 29.99% APR
Credit Recommended
Excellent, Good, Fair, Average
Balance Transfer Fee
Up to 5%

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
See additional details for Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now on the Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Rewards Rate
Up to 10% cash back rewards
Regular APR
29.49% (variable)
Credit Line
$300-$3000 at time of application
Apply Now on the Capital Bank N.A. secure website.
Annual Fee
$0
Credit Recommended
No credit, Poor, Fair
Cash Advance APR
29.49% (variable)

Highlights

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
See additional details for OpenSky® Plus Secured Visa® Credit Card

Destiny Mastercard®

Credit Recommended:
Poor to Good
Apply Now on the Destiny Mastercard® secure website.
Credit Recommended:
Poor to Good
Regular APR
See terms
Annual Fee
See terms
Credit Recommended
Poor to Good
Apply Now on the Destiny Mastercard® secure website.
Brand Name
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
See additional details for Destiny Mastercard®

Upgrade Select Visa®

Credit Recommended:
See website for Details*
Apply Now on the Upgrade secure website.
Credit Recommended:
See website for Details*
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
21.96% -29.99%
Apply Now on the Upgrade secure website.
Intro Transfer APR
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
See additional details for Upgrade Select Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

The Secured Self Visa® Credit Card

Credit Recommended:
None/Poor
Apply Now on the Self's secure website.
Credit Recommended:
None/Poor
Credit Check
No Hard Credit Check Required
Credit Line
Starts at $100 and is equal to your deposit
Regular APR
28.74% Variable
Apply Now on the Self's secure website.
Minimum Deposit
$100 minimum security deposit*
Credit Recommended
None/Poor
Annual Fee
$25

Highlights

  • Start building credit with all three credit bureaus with the secured Self Visa® Credit Card.
  • No credit check
  • No hard inquiry
  • $100 minimum security deposit*
    *Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
    The secured Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., each Member FDIC.
See additional details for The Secured Self Visa® Credit Card
Advertiser Disclosure

Credit Cards Offers For Fair Credit

Credit cards within this category are typically unsecured, though many carry an annual fee, smaller credit limits and higher interest rates than cards designed for good or excellent credit. Credit scores that generally qualify for one of these cards range from a low of 550 up to 619.** Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Benefits of Credit Cards for Fair Credit Scores

If you have a fair credit score, it’s likely that you are looking to increase it. Applying for a credit card that you can pay on time each month can move you in a positive direction toward a credit history that lenders will view favorably.

When evaluating credit cards, look for:

  • Program fees, and how much they cost
  • Whether the card is unsecured or requires a security deposit
  • Annual fees, if any
  • Introductory interest rates
  • Limits on balance transfers
  • Regular interest rate
  • Benefits or rewards you can collect over time

The higher your score, the better the terms you can get in an offer. Younger adults who have a limited credit history may appreciate credit card options designed for students. Those with impaired credit could use one of these cards to help rebuild their score over time with responsible use.

Choosing Credit Cards for Fair Credit

For most people, credit cards are tools that help them achieve their financial goals. You want to make a choice that works best for your needs. Create a list of your priorities, and it will make it easier to decide. If you don’t care as much about rewards but really need to keep costs down, you should look for cards with a low or no annual fee. If you know that you will need to carry a balance on the card for a time, you might opt for one with a lower interest rate, if available. CreditSoup makes comparison easy, with necessary details about a variety of options right here.

Improving your credit is a worthy ambition for anyone, but you don’t have to wait until then to apply for a credit card. Browse CreditSoup’s list of credit cards for fair credit scores and see where your financial future could take you.

*See online credit card application for details on the terms and conditions.

**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.