So a recap for me would be found HERE...
My score went up recently, and I tried a few Pre-Approval pages in case I want another Secured Card after *maybe* reapping for Discover.
My current profile is 1 Card account (3+yrs) with Capital One, and a recent Open Sky Secured Card...My current FICO (MyFico) is 596 accross the board, and only 1 recent HP (for a Discover Secured, which I was declined; but Credit score was 425 at time).
So it looks like, I was matched to (by BofA online app) to the following cards in order:
BofA Travel Rewards
BofA Premium Rewards
BofA Cash Rewards
Now, I like those cards, and the Bonus Sign up offers are doable (Especially Points convert to Travel/Rental/Hotels).
Worse case, I can do the BofA Secured card, but if I can get another UNsecured account, that'll help the Winter Gardening.
As for Discover - their App pairs me with a Discover IT Cash Credit Card: Again, I can be happy with a Discover Secured...but if I can get the UNSECURED version out the gate, right?
So Question #1: Are my scores good enough to app for ANY of these cards, or should I just go with the Secured card and be done with it? (Yes, I can still get one from my bank SDFCU...I just don't like that their Visa has rather lackluster perks, and the Secured will never graduate (might as well be another ATM card then).
Question #2: Another 2 cards to look at (but was willing to wait until next summer to app for) would be the Delta Skymiles AmEx OR WalMart Store/Mastercard.
Final Question: Are there any STORE cards...speciifically, Sears, Kolhs, Best Buy, or Gamestop...that are within reach with score like that? Don't need ALL of them, just one will do as a different TL for myself.
All answers are gratefully accepted!
I would look at unsecured cap one card