Credit Cards

[TsuSurf]

I'm looking into getting a new credit card in Dec. when I get 6 months history and a Fico score.  I have 3 secured cards Cap1 sec. $200 opened 06/12, BOA sec. $300 07/12, WF sec. $300 07/12.  No baddies on EQ, 1 on EX from 07, and 2 on TU from 07 and 09.  What are some cards I should be able to get?  I would prefer someone who pulls equifax due it being clean.  The cards I'm looking at are Chase Freedom, Amex Zync, Discover More, or CU.  I would be happy with any one of them.

[Mustangfrank]

After six months Discover started sending me pre Approvals.

You will start to get noticed.

PIF and keep usage to 10%.

If you use more pay before your account reports.

[TsuSurf]

If I could get a discover more that would be great.  I'm not sure if would be able to get them with limited history and 2 baddies on TU(which I think thats what they pull in my area).  I  pay before statement cuts on 2 cards and let 1 report 1% utilization right now.  I'm a student also btw.

[Mustangfrank]

Keep doing what you are doing and your scores will improve rather quickly.

[CESEGO]

Yesterday I got approval for the Discover More, 14 months introduction 0% APR and 13.99% APR after that time, the APR varies between 10.99% and 19.99% based on credit worthliness, with only 4 months of history and 40% UTIL... No baddies and all payments on time...

I was surprised for the APR after introduction offer...

Try with Discover More!

By the way the CL $750, they said me by the phone they will be watching me and if everything it's ok after 60 months they will give me and auto CLI..

But my advice is try with Discover More... Check the prequalify section, I Got pre-approval through it ...

[CESEGO]

6* months no 60 hahaha sorry.

[TsuSurf]

What did they pull for discover?

[CESEGO]

I saw trans union through CK and they didn't hard pulled there, I guess Eq or Experian, but I don't know if the select the bureau based in the area, I live in Texas.

Good luck.

[nicholasyud]

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jconvinced wrote:

What did they pull for discover?

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Discover usually pull TU . Well sometime EQ depend on many other factors.

To be honest, I dont think its should be a better idea to apply for anything right now. Other prime CC company want to see how you handle big money other than $200 #300 and $300 credit line. I would going to deposit more on one of your account to maybe 1k to 3k depend on how much you can afford. Use it for another 6 months then apply for some Prime CC like Discover,Amex, City you name it.

One years credit history should look good on CC company eyes....and high secured CC limit would make them feel safe to offer you some meanful limit rather than those small credit limit you had with all 3 cc.

Here are some CC website you can look up for what database they pull :

Mod Edit

whogavemecredit.com

Good luck.

[TsuSurf]

I'm thinking of applying for discover more student or citi dividend student in December.  Hopefully they pull EQ or even EX and approve me.