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Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012
0

Best option credit card post cleanup??

I have just cleaned up my report. At present I have no negatives, no accounts, nothing on credit report. Not sure of my score but it is 649 on creditkarma. I am waiting for Cap1 secured to be reported any day now on account and another BOA line where I am an authorized user. In this situation, are there any unsecured cards to consider applying for do you think????

Frequent Contributor
codimom
Posts: 394
Registered: ‎09-08-2010
0

Re: Best option credit card post cleanup??

wait until your 2 cards report.  You can then look into a store card (walmart or target) and then garden the daylights out of those.


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Frequent Contributor
koalablue
Posts: 345
Registered: ‎05-23-2012
0

Re: Best option credit card post cleanup??

Kind of hard to get a decent unsecured card until you build up a little more history.  How about waiting six months and applying for a Chase Freedom?

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Best option credit card post cleanup??

+1

Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012
0

Re: Best option credit card post cleanup??

[ Edited ]

Edk83 wrote:

I have just cleaned up my report. At present I have no negatives, no accounts, nothing on credit report. Not sure of my score but it is 649 on creditkarma. I am waiting for Cap1 secured to be reported any day now on account and another BOA line where I am an authorized user. In this situation, are there any unsecured cards to consider applying for do you think????


Department store cards are easy to get.  I have had my JCPenney card since 1993 infact its my oldest account and it has survived 2 bankos, hey just never wanted to give up on me and because of that I have stuck by them. One of the only department store cards I still use.  Started that puppy with a 500 credit limit and now its 5k. 

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Best option credit card post cleanup??

Credit314, which advice are you giving a +1 to? There was multiple types of advice given, please clarify for the OP.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Contributor
jamie123
Posts: 874
Registered: ‎03-22-2012
0

Re: Best option credit card post cleanup??

Definitely app for the Walmart card. As long as your scores are above 640 you should be approved. You will get a free TU 08 FICO score for free each month and GE is the most generous lender when it comes to CLIs.



Starting Score: EQ 658 6/18/12
Current Score: EQ 700 10/12/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge

Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012
0

Re: Best option credit card post cleanup??

Thanks! I applied for the Walmart store card. I was told I would get a decision in the mail between 7-10 days. I dont know if its a good thing, probably not. What do you think? Its worth a shot!

Valued Contributor
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

Re: Best option credit card post cleanup??

call backdoor number and they will tell you

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