Credit Card with Below Average/Average FICO Score

[Anonymous]

Does anyone know of an unsecured credit card I can apply for with the following FICO scores:

FICO TU : 677

FICO EQ: 629

I'm in Sales, and the company does not issue company cards to entertain clients.  I only have a secured account with Bank of American with a credit limit of $500. The $500 limit is not enough for me to use for travel and client entertainment expenses.

I feel like the only option I have is to make wait until my FICO score improves to apply for a card, but that could take 2 years.

Any feedback or experience is much appreciated.

[Breakthecycle2]

Capital One for starters

[Wolf3]

HSBC , you can see if you qualify without hard inquiry

[Anonymous]

I have to say the Best Buy Rewardzone Mastercard.  I got that card with a $4000 limit back in October with a lower score than you. This is also an HSBC card. There is a preapproval link around in these forums somewhere.  Shouldn't be hard to find.

[Anonymous]

Thanks all. I'll apply and keep you posted!

[Anonymous]

A-M-A-Z-I-N-G!

I just got approved after I applied for the Best Buy Rewards Mastercard.

They said they will mail me my card and the details of my card in 7-14 business days. Hopefully I will have a high enough credit limit for me to charge my work related travel expenses/client entertainment.

Thanks everyone!

[Rebuilding101]

Have you gone to the HSBC site to see if they have the credit limit already? Mine showed up like an hour later.

[Anonymous]

Yup! I just checked and its $500. It's better than nothing. .  At least I'll have 2 credit cards on my credit history now.

Thanks for all your help.

[Anonymous]

You might look here, you can filter by FICO score.  Don't know if other myficos have had experiences with this list.

http://www.myfico.com/LoanCenter/Offers/CreditCards.aspx

You might consider a credit union.  Among other things, you can probably talk to someone directly about what they offer that would work for you.

If you're thinking about a secured card, USAA offers one that you can back up to $1500.  Also, you might even qualify for a card with them.

[Anonymous]

Thanks Jack for the link to see credit cards by credit score.  Also, I don't think I can qualify for USAA as none of my relatives have served in the US military.