BB&T Credit Card Application – Know if you are Pre Approved

Branch Banking & Trust (BB&T) is a company that offers credit cards that can help you build your credit. There are various credit cards offered by BB&T and these cards charge a nil annual fee. They have 0% introductory APR and have very simple reward programs.

You can choose from many BB&T credit cards-

  • BB&T Spectrum cash rewards
  • BB&T Bright credit card
  • Travel Rewards for Business card
  • Vantage VISA Signature credit card

To get a credit card, you must first apply for it. To apply, read the blog here to know the process beforehand.

Essential FeaturesBB&T credit card
Late Payment FeeUpto $38
Returned Payment FeeNil
Interest & Purchase APR11.24% or 20.24% variable
Cardholder FeeNA
Cash Advance Fee3% or $10 whichever is greater
Cash Advance APR22.4%
Grace Period7 to 15 days
Balance Transfer APR0% for the first 15 months followed by 11.24% to 20.24%
Annual FeeVaries from one to another credit card

Steps for BB&T credit card Application

The BB&T credit card application can be made online and to apply there is a process you must follow. There are several BB&T cards and to demonstrate, we will choose the BB&T Bright credit card.

Step 1: First, visit this link www.truist.com/credit-cards to start the application process.

BBT apply

Step 2: In the next step, press the Apply online tab to enter different information.

BBT Bright credit card

Step 3: Answer if you are currently a BB&T customer who uses the online banking process.

BB-T online apply

Step 4: Add your personal details in consequent pages like name, address, contact details, current employment status, annual income, and different identifying information.

BBT online credit card
BBT phone payment
pay via mail
BBT pay your bill
Apply to pay

Step 5: Verify the application process and also the terms and conditions.

credit card apply to pay
BB&T pay your bill

What are the application requirements?

There are a few requirements one needs to fulfill to apply for a credit card.

  1. The minimum credit score for the BB&T credit card is 750.
  2. Applicants must be more than 18 years.
  3. Residents of the United States need to have their SSN (social security number) and a government-sponsored ID card.
See also  Menards Credit Card Application: Know Status or Eligibility

How to get BB&T credit card pre-approval?

To get a BB&T credit card pre-approval, you must go to their site link creditcard.digitalcommerce.truist.com/product/dcfo.

Choose if you are a client or if you are not.

BB&T payments
credit card pay online

Once done, you can press the Continue tab to move to the next screen where you complete the pre-approval application process.

Who is Eligible?

You are eligible if you fulfill the below criteria.

  1.  You need to reveal your total annual income to them.
  2. Applicants must provide a complete address for their credit cards.

Also read: Wawa credit card login and Pay Bill Payment [2023]

Card Pros & Cons

Pros:

  • Your liability for unauthorized purchases will be zero.
  • They have several services for travel and emergency assistance and even collision for auto rental services that are advantageous for customers.
  • You can earn cashback when shopping with a credit card.

Cons:

  • Some of the credit cards have very limited offers.
  • There are no sign-up bonuses or credit card fees

Conclusion

Here’s what you need to know about the BB&T credit card if you want one of them. Though this is a generalized description, however, it is quite an accurate process if you are trying to understand the online application process. The article also covers the pros and cons including the requirements for getting a credit card.

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