Before you request prequalification, you can increase your chances of application approval with these three tips:
Check your credit score. There are many ways you can check your credit score for free, including accessing your score from one of the three major credit bureaus — Equifax, Experian or TransUnion. Having at least a good credit score of 670 or higher is required to get most credit cards.
Always pay your bills on time. Payment history is an important factor affecting your credit score. Make sure you pay all your bills on time to increase your credit score.
Keep utilization ratio low. This is the ratio between your available credit and your debt. Rule of thumb is to keep it below 30% to have a positive impact on your score. If your current utilization rate is higher than 30%, try to lower it down before you request prequalification.