If a credit report is available, it will be used to make a decision on your application.
If you don’t have a credit history at all or your credit score alone doesn’t give us enough information to make a decision, we’ll ask you to link your bank account(s). Link your accounts to get a decision based on more than just your credit score—like the bills you pay and the money you make. That’s how customers without a credit history can be approved, and it’s also why the Petal card is a great choice for people who are totally new-to-credit!