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?
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.
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!
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