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Cards based on Score

Regular Contributor

Cards based on Score

Which cards give a high cl based on score like instant approvals instead of the long tedious manual review. I would like to know because i have an old CO showing but other then that my credit report is clean. Also my mother is going to add me on to an 11 yr old cc account with a 17000 limit and no reporting balance. YAAAAAAAAYYYYYYYYYYYYYYYYYY. lol
Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 1 of 17
16 REPLIES
Regular Contributor

Re: Cards based on Score

You're most likely to score the highest CL with credit unions, but some are not necessarily going to be instant approvals. The ones that do instant are Navy Federal (if eleigible) or Alliant CU. You also might give Barclays/Juniper a try.
Message 2 of 17
Regular Contributor

Re: Cards based on Score

Thank you for the quick reply does anyone else have any suggestions.

 

Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 3 of 17
Senior Contributor

Re: Cards based on Score

Just out of curiosity, when is the CO due to drop??  Is it PIF?


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 4 of 17
Senior Contributor

Re: Cards based on Score

It depends what you consider a high CL.

 

Also, those that provide instant approvals, don't always instant approve.

 

For example:  I applied for Navy Federal Cash Reward Visa.  It took 5 days for my approval, which was $25,000.  So I got a high CL, but I had to send in paystubs.

 

High CL's are not just FICO.  It is actual credit contents plus income and FICO.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 5 of 17
Frequent Contributor

Re: Cards based on Score


txjohn wrote:

It depends what you consider a high CL.

 

Also, those that provide instant approvals, don't always instant approve.

 

For example:  I applied for Navy Federal Cash Reward Visa.  It took 5 days for my approval, which was $25,000.  So I got a high CL, but I had to send in paystubs.

 

High CL's are not just FICO.  It is actual credit contents plus income and FICO.

 

 


Way to go on ur credit scores..Im pretty sure u worked hard at it keep it up! Smiley Happy

Message 6 of 17
Regular Contributor

Re: Cards based on Score

It is due to drop of in june of 2012 and no it is not PIF. I do not want to pay it since its so close to coming off.
Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 7 of 17
Senior Contributor

Re: Cards based on Score

It's not that close to coming off and you are going to find that an unresolved baddie like an unpaid CO is going to greatly hamper your further quest for unsecured revolving credit. Best of luck.
Message 8 of 17
Regular Contributor

Re: Cards based on Score

Will it help or lower my score if i pay it. The simulator says i will gain points.
Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 9 of 17
Valued Contributor

Re: Cards based on Score


LILMAN8406 wrote:
Will it help or lower my score if i pay it. The simulator says i will gain points.

 

Have you approached them with a pay for delete request? You may be able to settle for a lesser amount...and you may have it disappear for good. It's worth a try...

 

If you can work it that way, it will help your score.

Message 10 of 17