Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 55
Registered: ‎06-21-2011
0

Best shot at approval?

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

8/4/11 MyFICO

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

Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: Best shot at approval?

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?

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Regular Contributor
Posts: 148
Registered: ‎05-21-2010
0

Re: Best shot at approval?

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.

New Contributor
Posts: 55
Registered: ‎06-21-2011
0

Re: Best shot at approval?

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...

Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: Best shot at approval?

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.

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
New Contributor
Posts: 55
Registered: ‎06-21-2011
0

Re: Best shot at approval?

Barclay's Apple Financing Visa was approved online for $690. Said the card should be in the mail in a few days.

Established Contributor
Posts: 1,010
Registered: ‎01-22-2008
0

Re: Best shot at approval?


ALHondaGuy wrote:

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. 

New Contributor
Posts: 55
Registered: ‎06-21-2011
0

Re: Best shot at approval?

Forgot to ask, does Barclay's report to all three or just TU?

Epic Contributor
Posts: 25,819
Registered: ‎10-23-2007
0

Re: Best shot at approval?

reports to all 3

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

Re: Best shot at approval?


ALHondaGuy wrote:

Barclay's Apple Financing Visa was approved online for $690. Said the card should be in the mail in a few days.


Congratulations, road to recovery!!!!


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.