08-05-2011 01:08 PM
Tried to get my wife a TL open with Cap1, since their computer picked me up. No luck. So here's where she stands, where can we go for the best shot at approval?
7/21/11 Lender Pull
EX 616 TU 557 EQ 518
EX ??? TU 615 EQ 530
As far as I know, she's never really had any cards in her name, other than an old 1st Premier CO that I PIF'd today. Has a paid perfect car loan of 350/mo
08-05-2011 01:13 PM
Orchard would probably issue card but it's never going to grow with her... but keep for couple years and slowly start to replace with better cards.
How about Secured or are you member of credit union?
08-05-2011 01:17 PM
I was able to get a Barclays card with a TU fico of approximately 608. Since they only pull TU it may be possible to qualify but no one can say for certain, plus a recon never hurts. That EQ is ugly (been there) but Orchard and Credit One will take her if you dont mind paying ridiculously high AF's.
08-05-2011 01:30 PM
We are members a a small CU, but I'm not happy with the service as of late, so we're looking at closing our account there. As far as secured, we can go that route, but if we don't have to put the money down upfront...
08-05-2011 01:37 PM
If you don't want to put money down then I would go for a Barclay card like Apple iTunes... most likely will be declined instantly but lots of success with recon via backdoor number above.
2. Orchard.. $300 CL most likely but you can do pre-approval and hopefully get the level with no annual fee.
08-05-2011 01:58 PM
Barclay's Apple Financing Visa was approved online for $690. Said the card should be in the mail in a few days.
You are two for two today! Have her call Barclays and say she wants to purchase_______(fill in the blanks) for $_______ and she's interested in reconing the CL she was granted. Might tell them she paid off the old CO and will probably have good chance at a higher limit. $1200-$1500 maybe...already have the inquiry, all they can do is say no.
08-05-2011 02:50 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.