04-13-2010 03:05 PM
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.
04-13-2010 06:33 PM
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.
04-14-2010 08:41 AM
Thanks all. I'll apply and keep you posted!
04-14-2010 08:50 AM
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.
04-14-2010 09:17 AM
Have you gone to the HSBC site to see if they have the credit limit already? Mine showed up like an hour later.
04-14-2010 10:24 AM
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.
04-14-2010 11:50 AM
You might look here, you can filter by FICO score. Don't know if other myficos have had experiences with this list.
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.
04-15-2010 11:40 AM
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.
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