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Can I get ANY credit card with low 600 score?

Established Member

Can I get ANY credit card with low 600 score?

and no revolving credit currently.....do I need a secured card first before I even try?

 

What about a Walmart card? 

 

Haven't had a CC in years and years--but wanting to rebuild...

Thanks!

Message 1 of 15
14 REPLIES
Contributor

Re: Can I get ANY credit card with low 600 score?

If you google "who gave me credit", that database will show a good range. When I was in the low 600's and no CC's, no one would give me a CC. I became an AU on my boyfriends very low limit CC, and Walmart gave me a card at around 630 after my AU card reported for a few months. 


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Message 2 of 15
Moderator Emeritus

Re: Can I get ANY credit card with low 600 score?

Hi!  Welcome to MyFico Community Forums!

 

My suggestion would be to use the shopping cart trick to get a store card, to start your revolving credit rebuild.

Other than that, you can go with a secured card from Bank of America, Wells Fargo, or Capital one.   Some of these have partially secured options.

 

Also, check into joining DCU.  They are a credit union, where anyone can join.  They offer secured loans, secured cards, and unsecured cards.

 

Many members have reported success through applying with them.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Message 3 of 15
Contributor

Re: Can I get ANY credit card with low 600 score?

I was in the same boat as you just this last October my scores in the low 620s and applied for Capital One Platinum ($500) and was approved (could also use the cap one card finder tool to match you up) and a couple months later Walmart ($600) and then Capital One Cash Rewards ($500). My Cap One Platinum should automatically go to $750 in a couple months here.

EX 690 (Credit.com 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700


Message 4 of 15
New Contributor

Re: Can I get ANY credit card with low 600 score?

Just obtained a Victorias Secret card with a score of 602. Our score was that low due mostly to having a low age of accounts and no revolving credit.

Starting my rebuild!


Message 5 of 15
Moderator Emeritus

Re: Can I get ANY credit card with low 600 score?


Stephen_Dashman wrote:

I was in the same boat as you just this last October my scores in the low 620s and applied for Capital One Platinum ($500) and was approved (could also use the cap one card finder tool to match you up) and a couple months later Walmart ($600) and then Capital One Cash Rewards ($500). My Cap One Platinum should automatically go to $750 in a couple months here.


Capital 1 is always a good option...

I do think that the OP has a good chance with DCU

 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 6 of 15
Established Member

Re: Can I get ANY credit card with low 600 score?

Capital One or Orchard Bank (which is now Capital One) are both worth a shot.

 

I've had credit in the low  600s for a bit now, and have 2 capital one cards, an orchard bank card, a target card, walmart card, and an amazon-chase visa card. None of them are secured, and I have an active baddie on my credit (2 baddies on TU I think). An inquiry or two isn't gonna kill you- worth trying, at least, before you start shelling out for a secured card.

Message 7 of 15
Valued Contributor

Re: Can I get ANY credit card with low 600 score?

For unsecured Capitol One and GECRB products would be my first look.  WF and BOA both hav secured cards that would also be an option. 

Message 8 of 15
Established Contributor

Re: Can I get ANY credit card with low 600 score?

Capital one gave me my first rebuilder credit card.. scores were probably low to mid 500's.... (two years ago).... applied thru preapproval letter... then applied for another cap one last year and i started gettin approved for GE cards with scores in the high 500's low 600's... had at least 9 negatives a year ago, including 4 collections.... but was able to obtain GE cards .... now, I only one charged off left on each report and no collections... My 3 GE cards are 5k each now (two were opened 5/2012 and one 07/2012) ... I'm sure you can get a capital one and a GE card and start from there.... good luck...Smiley Happy


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
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Message 9 of 15
Valued Member

Re: Can I get ANY credit card with low 600 score?

CapOne gave me my first CC with a 602 score.  I remember having my eyes glued to the screen and holding my breath praying that I was approved for anything!  You'll start with a low limit, probably $300 or $500 if approved but it will help you build up that score too something better in the future.  Crossing my fingers for you!

Starting Score (3/1/13): 602 MYFICO - Current Score (1/19/14): 735 EQ FICO, 732 TU Credit Monitor, ??? EXP
GOAL: 750 Across the board
In pocket $1500 CapOne Quicksilver, $2500 PPExtras, $5000 Discover IT, $750 VS, $250 Loft, $1500 WalMartCC, $1300 Nordstrom
Message 10 of 15