No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My husband currently has no cc's open, which is contributing to his not-so-hot FICO score of 628. We are planning to apply for a mortgage in about a year, which made me think now would be a good time for him to establish a credit card and have 10-12 months of paying on time to help boost his credit by the time we apply. Is there any chance of him finding a credit card with no annual fee with that FICO? If so, which one?
Also, there's no option of me adding him as an AU, as I'm still in the process of rebuilding my credit myself.
Thanks!
@Anonymous wrote:
Any chance eitther of you are in the military? were in the Military or have family members active, reserve ro retired?
Thought I would borrow this thread. My dad was in the army. What card were you thinking of and what info would I need? He is no longer alive.
We are finally homeowners!!
Closed May 5th-30 yr fixed at 5.25%.
@Anonymous wrote:My husband currently has no cc's open, which is contributing to his not-so-hot FICO score of 628. We are planning to apply for a mortgage in about a year, which made me think now would be a good time for him to establish a credit card and have 10-12 months of paying on time to help boost his credit by the time we apply. Is there any chance of him finding a credit card with no annual fee with that FICO? If so, which one?
Also, there's no option of me adding him as an AU, as I'm still in the process of rebuilding my credit myself.
Thanks!
You may want to also check out the mortgage boards. Shane says you need about two years of solid payment history for most mortgages, but post a question there.
With his scores, he could try one of Capital One's rebuilder cards or Orchard. I am not a big fan of Orchard, but they are a good builder/rebuilder card.