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.
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.