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Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
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Re: Cards for Limited History to Help Rebuild?


I absolutely agree with the increasing the CL with your Cap 1 Secured card.  What a great idea! 

IMHO, however, I don't necessarily agree with the continuing to app for anything for a while though I do see merrits to the argument to do so.

Just a word of advice regarding Barclays... they are very app sensitive so if you app and get approved, don't app for at 6 months afterwards or you really do risk getting shut down with your limited credit experience.  But as always... YMMV and I wish you the best of luck.  I really think you are off to a GREAT start!

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Regular Contributor
Posts: 236
Registered: ‎12-09-2011
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Re: Cards for Limited History to Help Rebuild?

What are the requirements for the Amex Zync? I've been lurking here and I'm in a similar boat as the OP

Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Frequent Contributor
Posts: 332
Registered: ‎04-08-2011
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Re: Cards for Limited History to Help Rebuild?

Mickey11 wrote:
What are the requirements for the Amex Zync? I've been lurking here and I'm in a similar boat as the OP

I think minimum requirement is 6 months credit history which could generate fico score. min ex fico I saw people get approved is 620 but that's rare. 650 would be safer.

Not too many inquiries, preferrably less than 4.

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