Improve Your Credit Score Before You Buy a House A high credit score will increase your chances of getting a loan or credit card, and a low score will really hurt it. Banks don’t like to give loans or credit cards to people who are underperforming because they don’t trust them with their money. Even if the score is low, and you are able to get a credit card your credit limit may be low or you may have to pay very high interest rates. https://www.clix.capital/check-credit-score