I'm in the garden, hopefully ending up with one after my time here
bichonmom wrote:
ezef3ar wrote:I Only Have An Usaa Cash reward visa with a 500 $ limit no inquiries on the reports...... none just have 8 months with credit my history is clean no student loans or collections or nothing How long should i wait to apply for one or at least to have a chance i heard from this forum that thats the easy one to get to get statrted >>??? BY THE WAY IM NEW TO THE FORUM.....
You'd probably be able to get Zync, but it's a close call. It would be better if you had more than one TL reporting for 1 year or longer. You might want to get a GECRB store card (e.g. Walmart, JCPenny, Lowes, Old Navy, etc.) and app for Zync in 6 mos. You can CLI GE cards every 4th stmt and usually be approved. That will help with higher CLs showing on your CR. Also, I'd try to CLI your USAA -- either now or when you've had the card 12 mos.
You may get Zync now; it's really hard to predict. I do think your chances would be better if you had a little more credit history reporting, though.
On the other hand, if you are denied, it's only one HP. Then you'd know for sure. And if you don't get it, then you can work on your credit file so you can re-apply in 6 mos or so.
FYI, Walmart is nice to have because they give a free monthly TU FICO.
This is what I was thinking. And if OP was approved I have a feeling it would be with a hard limit.
any GECRB store cards really aren't that difficult to get. Walmart is a great one (if you shop there, if not don't bother) because of the free TU FICO score,
AE is also a GECRB card, so is old navy, gap, banana republic, (those last 3 are all useable at all 3 stores (I.E Old navy works at GAP, GAP works at banana republic, ) ) So if you shop at any of those stores it is definitely worth it to try. JCP is a GE card too if I'm not mistaken.
They almost always pull TU, and you might get a low limit (maybe $150 or something) but it will grow with you so long as you treat it well.
Edit: Some people get approved for zync with a counteroffer. Whereas a normal charge card has NPSL (No Preset Spending Limit), they'll be given the option of a $200 limit, or a $500 limit with autopay enabled (which will automatically pay your balance through a connected bank account by your due date)
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