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Credit Score now 680. No revolving lines of credit. Multiple late payments still showing on CR.
Should I apply for a Secure or Unsecure card? Reason?
Should i try to get a Public Savings CC since it will not show an inquiry?
Might want to try some of the preselectors like amex, discover, cap1.
I would say unsecured if your scores are correct
@Celle31 wrote:Credit Score now 680. No revolving lines of credit. Multiple late payments still showing on CR.
Should I apply for a Secure or Unsecure card? Reason?
Should i try to get a Public Savings CC since it will not show an inquiry?
It is important to get a least one CC to improve your credit. I don't think inquiries are very important since you have the late payment negatives on your report, I would not worry about a using a few of them up.
I suggest you apply for unsecured card with someone who offers both and take the secured card if you don't qualify for unsecured. If you have a need (and the funds) for a higher limit card, you may want to consider a secured card anyway
Among the major banks, I suggest Capital One first choice, Orchard(HSBC) second.
I think your credit is too good for Public Savings Bank, but I would recommend them if you can't get secured cards from anyone else.
I have secured cards from Capital One, HSBC, and until recently PSB. Here is my experience with them.
With those scores, you should have no problem getting an Unsecured Card. I just got my first credit card last month and it was unsecured (Capital One Standard Platinum).