CC suggestions for husband

[nvrgiveup08]

Per credit karma my husbands score is at 693. What do you suggest is a good card to try?

His current situation. 1 defaulted student loan balance 2050.00------paying down weekly as part of agreement with student loan people

Current Cards: Cap 1 secured $300 limit $30 balance

First Premiere $750 limit $243 balance

Bill Me Later $ 500 limit $72 balance

We are trying to free him of the high intrest rate card First Premiere

[pizzadude]

How long has each of these cards been open ? I agree on closing first preemie ~ their fees are awful. You could possibly try one of GECRB's store cards or even an unsecured card with Cap1.

[FrugalRican]

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@nvrgiveup08 wrote:

Per credit karma my husbands score is at 693. What do you suggest is a good card to try?

His current situation. 1 defaulted student loan balance 2050.00------paying down weekly as part of agreement with student loan people

Current Cards: Cap 1 secured $300 limit $30 balance

First Premiere $750 limit $243 balance

Bill Me Later $ 500 limit $72 balance

We are trying to free him of the high intrest rate card First Premiere

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Your husband's FICO score could be anything.

I'd say, pay down those balances, let those be reflected, pull the scores and then you can make a better, much more educated guess.

If you can't afford to get those balances right away, then get at least his FICO (TU and/or EQ) scores so you have a better picture of where he stands.

[nvrgiveup08]

Ok, thanks. We actually had his credit pulled by the mortgage company and he is in the high 600's with all three bureaus. I do agree however that we should pay down the balances on the FP and the BML accounts. The cards have all been opened for at least 9mths-1yr. He is trying to get out of the starter cards and get cards with a higher CL

[Wolf3]

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@nvrgiveup08 wrote:

Ok, thanks. We actually had his credit pulled by the mortgage company and he is in the high 600's with all three bureaus. I do agree however that we should pay down the balances on the FP and the BML accounts. The cards have all been opened for at least 9mths-1yr. He is trying to get out of the starter cards and get cards with a higher CL

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I suggest you increased the deposit on the Capital One to a higher CL.   Then after a whlie apply for a Capital One unsecured card.  I suggest you juice your score by having the optimum utilization before applying.  It worked for me.   

Then get rid of that FP card, too expensive to keep.

[casmith1980]

I would also suggest becoming a member of a Credit Union if you're not already.  They are pretty liberal with CLs and they definitely have the possibility of growing with you unlike Cap1...

[boomhower]

With high 600's I'd go for a Barclay card.  Should be an easy approval and with recon a solid CL.  DIscover should be doable as well.  With those scores there are no reason to be dealing with FP.

[LS2982]

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@pizzadude wrote:
How long has each of these cards been open ? I agree on closing first preemie ~ their fees are awful. You could possibly try one of GECRB's store cards or even an unsecured card with Cap1.

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+1 with GE.