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Valued Member
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Registered: ‎12-27-2009
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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

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Registered: ‎12-26-2010
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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: 476
Registered: ‎09-12-2010
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Re: Best card for thin file 752 Fico

citi forward or amazon.com chase visa

FICO scores - 658 TU(Walmart)/ 663 EX(Amex app)/ 658 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($1,100), Discover IT($4,000), Chase Freedom($1,500), Fidelity VS($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Paypal Extras MC($5,750), Chase Amazon VS($700),Capital One Cash Rewards($3,500), Best Buy Store Card($1,900), HHGregg($4,000), Chase CSP($8,000), CHASE FU($4,500)
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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.

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Valued Contributor
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Registered: ‎09-22-2009
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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 - 846
TU Fico 8 - 848
EX Fico 8 - 836
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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 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Frequent Contributor
Posts: 476
Registered: ‎09-12-2010
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Re: Best card for thin file 752 Fico

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

FICO scores - 658 TU(Walmart)/ 663 EX(Amex app)/ 658 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($1,100), Discover IT($4,000), Chase Freedom($1,500), Fidelity VS($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Paypal Extras MC($5,750), Chase Amazon VS($700),Capital One Cash Rewards($3,500), Best Buy Store Card($1,900), HHGregg($4,000), Chase CSP($8,000), CHASE FU($4,500)
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Registered: ‎12-26-2010
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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: 476
Registered: ‎09-12-2010
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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 - 658 TU(Walmart)/ 663 EX(Amex app)/ 658 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($1,100), Discover IT($4,000), Chase Freedom($1,500), Fidelity VS($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000), Paypal Extras MC($5,750), Chase Amazon VS($700),Capital One Cash Rewards($3,500), Best Buy Store Card($1,900), HHGregg($4,000), Chase CSP($8,000), CHASE FU($4,500)
Established Contributor
Posts: 982
Registered: ‎05-27-2009
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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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