cancel
Showing results for 
Search instead for 
Did you mean: 

Best card for thin file 752 Fico

Valued Member

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

Message 1 of 15
14 REPLIES
Contributor

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?

 

Message 2 of 15
Frequent Contributor

Re: Best card for thin file 752 Fico

citi forward or amazon.com chase visa

amazon
Message 3 of 15
Valued Contributor

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
Message 4 of 15
Valued Contributor

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
Message 5 of 15
Moderator Emeritus

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

 

Message 6 of 15
Frequent Contributor

Re: Best card for thin file 752 Fico

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

amazon
Message 7 of 15
Contributor

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.

 

Message 8 of 15
Frequent Contributor

Re: Best card for thin file 752 Fico

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

amazon
Message 9 of 15
Established Contributor

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


Take the FICO Fitness Challenge
Message 10 of 15