A perfect FICO credit score is 850, but experts tell CNBC Select you don't need to hit that target to qualify for the best credit cards, loans or interest rates. "If you're at 760, or 780 ...

that way you can have a good idea of what your approval odds are for each card. FICO Scores are based on five factors: Payment history (35%) Length of credit history (15%) Amounts owed (30% ...