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One-Minute Credit Card Test

Pack Your Wallet With A Higher Credit Card Line! See if you could qualify for a higher credit line with our One-Minute Credit Card Test. Just choose the answer that best describes your situation by clicking on the circle beside that answer. Scroll to the bottom of this page when you are finished answering all questions, to see your score and review what that score means to you.

Pending	How many dependents do you have, including yourself? One  Two  Three Four Five+
Pending	What is your residency status? Living with Parents  Rent Furnished  Rent Unfurnished Own Home Mortgaged Own Home Clear
Pending	How many years have you lived at your present address? Under 2 Years  2-4 Years  5-8 Years 9-14 Years 15+ Years
Pending	How many years have did you live at your prior address? Under 2 Years  2-4 Years  5-8 Years 9-14 Years 15+ Years
Pending	What is your Gross Monthly Income? < $1,500  $1,501 - $2,500  $2,501 - $2,900  $2,901 - $3,800  $3,801 - $5,000>  $5,001+
Pending	What is your additional monthly income (spouses income, investments, etc)? < $500  $501 - $1,000  $1,001 - $1,500  $1,501 - $2,000  $2,001 - $2,500>  $2,501+
Pending	How many years have you been with your present employer? Under 2 Years  2-3 Years  4-6 Years 7-10 Years 11+ Years
Pending	How many years were you with your previous employer? Under 1 Year  1-3 Years  4-6 Years 7-10 Years 11+ Years
Pending	What is the percentage of your monthly income that remains after paying all of your expenses? < 10%  10-15%  16-25% 26-33% 34+%
Pending	Do you have another Bank Credit Card? Yes  No
Pending	Do you have an AMEX or Diners Card? Yes  No
Pending	Do you have an Oil Company Card? Yes  No
Pending	Do you have any Department Store Cards? Yes  No
Pending	Do you have any other credit cards? Yes  No

-- You must answer the questions above to see your score --

With a higher credit limit, you'll have more flexibility for purchases, vacations, and cash advances... and you may be able to consolidate other credit card balances and save on interest as well. And since you pay nothing for credit you don't use, it makes sense to apply for the highest credit card line possible. Just compare your total score to the chart below. You may find that you could apply for more credit than you thought. Regardless of how you scored, you can apply for the credit limit you have in mind. That's because our credit officers try to find ways to approve customer requests, not look for reasons why they can't.

If You Score...	Potential Credit Card Limit
20 to 22 points	up to $1,000
23 to 26 points	up to $2,000
27 to 32 points	up to $3,000
33 to 37 points	up to $5,000
38+ points	over $5,000

This chart is for your information only. Loan self-tests do not include all of the factors we consider in evaluating a loan request such as your payment history and your ability to meet your monthly obligations. We reserve the right of final loan approval.

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