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Credit Card with Below Average/Average FICO Score

Established Member

Credit Card with Below Average/Average FICO Score

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.

 

 

 

 


Starting Score: TU 673/EQ637 :
Current Score: TU 673/EQ637
Goal Score: TU 750/EQ750


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Message 1 of 11
10 REPLIES
Established Contributor

Re: Credit Card with Below Average/Average FICO Score

Capital One for starters


Starting Score: 454
Current Score: 690
Goal Score: 750


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Message 2 of 11
Senior Contributor

Re: Credit Card with Below Average/Average FICO Score

HSBC , you can see if you qualify without hard inquiry

 

Message 3 of 11
Frequent Contributor

Re: Credit Card with Below Average/Average FICO Score

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.

AMEX Blue Cash - $15k, Lowes/GECRB - $10K, PNC - $10K, CIti Diamond Preferred - $10K, Home Depot/Citi - $7590, Best Buy Store/HSBC - $7400, Citi Platinum Select - $7150, Best Buy RZMC/HSBC - $5750, Dillards/GECRB - $4350, Discover More - $3600, Cap 1 Cash Rewards - $3000, Amex HHonors - $2000, State Farm - $2000, Cap 1 MTV - $1500
Message 4 of 11
Established Member

Re: Credit Card with Below Average/Average FICO Score

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


Starting Score: TU 673/EQ637 :
Current Score: TU 673/EQ637
Goal Score: TU 750/EQ750


Take the FICO Fitness Challenge
Message 5 of 11
Established Member

Re: Credit Card with Below Average/Average FICO Score

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!

 

 

 

 

 

 


Starting Score: TU 673/EQ637 :
Current Score: TU 673/EQ637
Goal Score: TU 750/EQ750


Take the FICO Fitness Challenge
Message 6 of 11
Regular Contributor

Re: Credit Card with Below Average/Average FICO Score

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


Starting Score(4/1/10): EQ: 631--- TU: 646
Current Score(4/1/10): EQ: 725--- TU: 686
Goal Score: EQ: 850--- TU: 850


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Message 7 of 11
Established Member

Re: Credit Card with Below Average/Average FICO Score

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

 

Thanks for all your help.

 

 


Starting Score: TU 673/EQ637 :
Current Score: TU 673/EQ637
Goal Score: TU 750/EQ750


Take the FICO Fitness Challenge
Message 8 of 11
Regular Contributor

Re: Credit Card with Below Average/Average FICO Score

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.

 

 

 

-----
04/2010 EQ 656 TU 648
05/2010 EQ 669 TU 664
06/2010 EQ 674 TU 678
07/2010 EQ 666 TU 667
Message 9 of 11
Established Member

Re: Credit Card with Below Average/Average FICO Score

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.


Starting Score: TU 673/EQ637 :
Current Score: TU 673/EQ637
Goal Score: TU 750/EQ750


Take the FICO Fitness Challenge
Message 10 of 11