We Think You're More than a FICO Score

You know how frustrating it is when you try to get a job, but you need years of experience at that job? We do. Banks treat your FICO score the same way. In order to get the best card, you need good credit, and no one cares about building that credit. Well, we do. When you apply for the Benjamin Credit Card, we do not rely on archaic FICO score hard cutoffs to determine eligibility. We take a modern approach, such as factoring in your cash management skills, investments, and other behavioral finance metrics to approve you.

We think there are two levels to building credit. On the outside there is the actual “building aspect,” followed by the second level which is learning while you’re building. Initially, when you pre-qualify, we offer a completely transparent assessment of your credit and begin to offer tailored suggestions unique to you. Whether you need to build, rebuild, or grow your credit, Benjamin can provide you a path to success.

Here’s the deal: Before the Benjamin Credit Card, if you needed to build credit from the beginning, you had one or two options, and those cards are junk.  If you wanted one of the good credit cards, you would be rejected and left to the starter cards. How unfair is that? Shouldn’t people with limited credit still be allowed to get rewarded? At Benjamin you do! Through our modern approach to approvals, you can get the best card for you, with no or limited credit history, and with the rewards you love.

So for example, let’s say you don’t have any credit history and based on other factors that we have, you get approved and qualify for a $4,500 “Credit Goal,”  Benjamin might start you with  a limit of $1,000.  Then, with 8 one-time bi-weekly payments, you can increase your limit toward your goal and raise your credit score in the process. Yes, with every on-time payment, your credit limit grows.  We make it quick and easy to see real improvements in growing your credit. You’re not done there, once you hit your first goal, you enter “growth mode”, where we set new goals for you and guide you to that coveted high credit score.

Whether you are just getting started, or already have good credit, join the waitlist to take the first step towards a healthier financial future.

1The example above is for educational purposes only, and does not constitute an offer. Actual results may differ depending on individual circumstances.


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