conversation: User (timber63401): "Thinking of getting a card that I pay off in full every month for cash back or points/miles. Just got my credit score and its only 640, dont want a hard pull if chances are slim I will get it. Thanks."
  Self: "No, not really.\n\nYou might get a so-so card with that score.   Discover IT,maybe?\n\nhttps://www.nerdwallet.com/blog/finance/fico-credit-score-needed-rewards-credit-card/"
  