05-23-2011 12:06 PM
I don't have any revolving lines, a few baddies 2 years ago and no collections. Everything else, mortgage, car loan on time for 2 years. I have been told I need a revolving line to increase my score.
I don't want multiple dings on my score due to the inquiry so I need to know based on my scores what card I should apply for. I can do a secured up to $500 if necessary.
I want a for sure approved card. Any ideas?
05-23-2011 12:09 PM
Try the Capital One pre-qualifier on their website. If any unsecured cards come up, try for that.
Otherwise, Capital One has an excellent secured card program. My roommate started at a $200 limit, which they increased to $300 after 6 months for no additional deposit.
05-23-2011 12:21 PM
05-23-2011 01:56 PM
With that score and such, I woul try the Cap1 unsecured card for average credit. My scores are similar and they approved me. If they deny you, then apply for their secured card. I'm sure they'll use the same credit inquiry for it.
Best of Luck, let us know how it goes!
05-23-2011 02:30 PM
05-23-2011 10:56 PM
Public Savings Secured card has no credit checks, its a good card to start out with, until you get your scores up higher, that's what I'm using now, I put a credit limit of $500.00 but you can do $200.00 or higher if you wanted too
05-24-2011 06:57 PM
Hsbc and credit one also have pre approval checks on their websites.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.