Competency requirements may be met with high school work, college work or test scores. These requirements must be met regardless of your major or the number of transferable hours you have earned. Students must earn a minimum of a 2.00 GPA in each competency area.
Answer Wiki. A well-qualified lessee is going to be someone with Tier 1 (very strong) credit. Typically a Tier 1 will be someone with a credit score above 720+ (at the minimum) but that varies by bank. These lease offers you mention are typically special rates or money factors being offered only through the manunfacturer's bank and every bank will have their own definition of what Tier 1 credit is.
The lowest credit score to get a credit card that is unsecured will likely be at least 650. With that type of score, you might be able to qualify for an entry-level card for fair credit. For the good reward cards you see advertised on TV, plan on having a 700 or above.