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Lexie, myFICO Moderator
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Lexie, myFICO Moderator
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OP, I do believe some of our members are concerned about your eagerness in obtaining credit. We promote healthy financial lifestyles and aren't too keen on just grabbing what you can. I'm sure they are just concerned about your future credit health.
On that note, it is often considered very rude to comment in all caps, so that might be something to consider.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@mongstradamus wrote:
@juniornj23 wrote:I HAVE A AVERAGE CREDIT DOES ENYBODY KNOWS ANY CREDIT UNION THT WILL OFFER ME 2500 CL
TU 655
EX 611
EQ 643
I NEED TO FIND THE WAY TO GET A PRIMIUN CARD
I DO HAVE
BEST BUY 300
PREMIER BANK 700
CAPITAL ONE 500 WHEN I MAKE THE 5 PAYMENT ON TIME THEY WILL RAISE TO 750 OR MORE I HOPE
CREDIT ONE BANK VISA 1050
CREDIT ONE BANK MC 500
PLATINUM REWARS 300
11 HP
1 CHARGE OFF
1 COLLECTION
NO LATE PAYMENT
I think you need work on letting those 11 hps age and address your CO and collection before thinking about getting better credit cards.
OP- Actually your scores aren't great, but they are not terrible either.
Like others have said, it's probably best to wait. But since you're looking at CU cards, it might not be a bad idea to call around to some of your local CU and find out their criteria. They won't give you an exact answer, but may be helpful by giving you some general ranges (score, income, etc.). Be honest with them, and tell them you're looking to establish a relationship with them. Most CUs also do a HP to open an account, so the banker may also be able to look at and use the same pull to see if you qualify for their credit product.
As far as a large CL, it's hard to say. My cousin was able to get a $3K credit limit with his CU and his scores weren't that great either (650ish).
Anyway, good luck!
@juniornj23 wrote:I HAVE A AVERAGE CREDIT DOES ENYBODY KNOWS ANY CREDIT UNION THT WILL OFFER ME 2500 CL
TU 655
EX 611
EQ 643
I NEED TO FIND THE WAY TO GET A PRIMIUN CARD
I DO HAVE
BEST BUY 300
PREMIER BANK 700
CAPITAL ONE 500 WHEN I MAKE THE 5 PAYMENT ON TIME THEY WILL RAISE TO 750 OR MORE I HOPE
CREDIT ONE BANK VISA 1050
CREDIT ONE BANK MC 500
PLATINUM REWARS 300
11 HP
1 CHARGE OFF
1 COLLECTION
NO LATE PAYMENT
I think your best shot at getting the 2.5k credit line that you want is the capital one card that you have in credit steps! You can get there by using this card exclusively and showing good payment history. A lot of lenders will respect that you handle them well, even if your score isn't the most amazing. Just hang in there, and remember it's a marathon not a sprint. 
Best of luck. If you have any questions please don't hesitate to ask. We do have a great forum that covers a lot of the basic questions, and I definitely would recommend you doing the homework so to speak and reading them first. If you have any questions following that, don't hesitate to ask us or even pm me if you want - I'm not the fastest to respond with my work schedule, but I'll try.
Everyone here is great in that they really want everyone on here to succeed. It says a great deal about the people that post here and I'm glad that I found it back when! Good luck! 
