The Arro Card Application Process: A Different Approach to Approval
Because the Arro Card uses alternative data rather than traditional FICO® scores for approval, its application process is distinctly different from a typical credit card application. It focuses on your current financial stability rather than your past credit history.
Here is how the Arro application experience differs and what you can expect:
How the Arro Application Differs From Traditional Applications
- Arro Card: Uses a Soft Inquiry only; this has no impact on your credit score.
- Traditional Cards: Requires a Hard Inquiry that temporarily lowers your score.
- Arro Card: Relies on bank account activity, income verification, current balance, and cash flow insights.
- Traditional Cards: Primarily uses your FICO® Score, credit report history, and debt-to-income ratio.
- Arro Card: Requires instant digital bank linking (e.g., via a secure service like Plaid).
- Traditional Cards: May require manual income verification (e.g., submitting pay stubs or tax forms).
- Arro Card: Decisions are usually instant (within minutes).
- Traditional Cards: Decisions can be instant or take several days if a manual review is needed.
The Arro Card Application Process : Step-by-Step
The process is designed to be fully digital, fast, and secure:1. Basic Information & Account Setup:
2. The Key Step: Linking Your Bank Account:
3. Instant Approval Decision & Card Details:
In essence, the Arro process is faster and less stressful because it removes the anxiety of a hard credit check and focuses on verifying your current financial ability to manage the card responsibly.
Related Arro Card Articles
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
- CLICK HERE TO APPLY ONLINE
*Subject to terms and conditions
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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