The best way to open an HMBradley Credit Card is to opt in to receive credit invitations from us. We determine your eligibility every month and reveal credit invitations to you, if you qualify. If, after we make a soft credit inquiry on your credit report with TransUnion (which does not affect your credit score) and you qualify, we can invite you to apply for an HMBradley Credit Card.
The HMBradley Credit Card is only available to HMBradley customers over the age of 21 who have opted in to receive credit invitations. To be eligible, you must be able to repay the credit card.
If you have a deposit account with us, we estimate your gross income (income before taxes and other payroll deductions) using the direct deposits to your deposit account. If you are not directly depositing the full amount of your paycheck into your HMBradley account, our estimate of your gross income will be lower than your actual gross income. You also can self-report your annual gross income in the credit insights section of your HMBradley account. If you do not receive any credit invitations, or receive an invitation with a lower credit limit than you expected, it may be because we determined that you are unable to repay the loan based upon the gross income we estimated.