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Valued Member
Posts: 43
Registered: ‎12-27-2009
0

Best card for thin file 752 Fico

CR only shows 2 AU accounts. 753 EQ Fico. Anyone good for an instant automated approval based on Fico? 0 inqs, 0% uit 2yr. AAoA.

Thanks

Contributor
Posts: 189
Registered: ‎12-26-2010
0

Re: Best card for thin file 752 Fico

 


Brianinpa18330grh wrote:

CR only shows 2 AU accounts. 753 EQ Fico. Anyone good for an instant automated approval based on Fico? 0 inqs, 0% uit 2yr. AAoA.

Thanks


The Amex Zync maybe?

 

Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: Best card for thin file 752 Fico

citi forward or amazon.com chase visa

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Best card for thin file 752 Fico

i will call the bank before applying and ask them clearly if they consider only AUs to be valid history because you don't have financial responsibility there and some banks wont like that.

 

If you don't get a sensible answer from the frontline reps, call backdoor but dont apply unless someone indicates you that they don't mind your situation. Going to a local CU and talking to an agent there won't be a bad idea either.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
Posts: 1,306
Registered: ‎09-22-2009
0

Re: Best card for thin file 752 Fico

IMO, people with thin files would probably have the best luck getting a credit card where they currently bank, provided you have a good relationship and history with them. 

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
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Re: Best card for thin file 752 Fico

 


android01 wrote:

IMO, people with thin files would probably have the best luck getting a credit card where they currently bank, provided you have a good relationship and history with them. 


Great idea!!!!!Smiley Happy

 

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: Best card for thin file 752 Fico

Also try capital one its a good card to start building with

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Contributor
Posts: 189
Registered: ‎12-26-2010
0

Re: Best card for thin file 752 Fico

 


tsquad131 wrote:

Also try capital one its a good card to start building with


752 Fico is too good for CapOne IMO.

 

Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: Best card for thin file 752 Fico

yeah but the OP has no cards in his/her own name only AU cards

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Established Contributor
Posts: 982
Registered: ‎05-27-2009
0

Re: Best card for thin file 752 Fico

Exactly, just because you are the AU on a credit card with a company, does not mean you have a clean history with them... you have no history. From the CCCs eyes, you aren't a customer of theirs.

 

I would stick with an entry level card - capital one is good about this. Don't expect a big CL, but you have to get your foot in the door somewhere. As someone else recommended, an Amex Zync might also be a good card to start with. After 12 months, you should be able to pick up a revolver with them.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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