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Credit card question

New Member

Credit card question

I'm new here so please forgive me if I am posting in the wrong place...I have been working on repairing my credit for quite awhile. My scores aren't too bad except for one. My highest score is 710 which I think is good? Anyway, I'm looking for a decent unsecure credit card that I could qualify for but I'm not so sure I understand how to rate my credit. Is it poor? Good? Or what? My lowest score isn't 600. But the last one is quite good too. This credit thing is so confusing and so frustrating... I made some immature financial decisions when I was young that I'm still paying for today unfortunately. Anyone know of a fairly good credit card that would work for me? Low interest, a fairly good credit limit, ect.... Your advice or tips wil be greatly appreciated!
Message 1 of 27
26 REPLIES
Super Contributor

Re: Credit card question

 

Moving to credit cards forum.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 27
Regular Contributor

Re: Credit card question

Good Afternoon,

I would recommend Chase, they gave me my highest credit limit which is 3000.00. At the time i had a secured credit card with capital one for 5 months and the only agency that was reporting my credit score at the time was Equifax because i had a loan from badcock 2 years prior. Did not have a score with TU or EX when applying for the Chase. My equifax was 700+. Did the application online and got instant approval. I was very surprised. The other cards i applied for and got approved for at the same time were Discover IT (1000.00) Walmart store card (850.00) all with a thin file! 

 

6 months later i have Amex (2000.00), Citi (1000.00), Amazon store card (1700.00)

 

Good luck if you apply Smiley Happy

Keith

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 3 of 27
Regular Contributor

Re: Credit card question

Its the Chase Freedom card i have by the way.

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 4 of 27
Valued Contributor

Re: Credit card question

I agree with Sabrian, the Freedom is a good place to start

Ch 7 Discharge 3/12/2018
Credit One $500, Wayfair $3,500

AU Cards: CSP $34.2k; Chase Marriott $20k; Citi TY $8.5k; Barclays Arrival+ $15k
Message 5 of 27
Super Contributor

Re: Credit card question

 

Do you have any open credit cards now ?    If not then you might need to start with a store card or two ~ many banks would prefer you to have other credit open when you apply.

 

Also what are the negatives showing on your reports?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 27
New Member

Re: Credit card question

Thank you so much..I don't have any credit cards at the moment, however I did have a Capital One in the past that I used and it has been paid off and im in good terms with them. My scores are TU-710, EQ is670, and EX is 567... I wanted a card to continue on fixing my credit but really not interested in secure card...
Thanks again
Message 7 of 27
Valued Contributor

Re: Credit card question


Iluvlola wrote:
Thank you so much..I don't have any credit cards at the moment, however I did have a Capital One in the past that I used and it has been paid off and im in good terms with them. My scores are TU-710, EQ is670, and EX is 567... I wanted a card to continue on fixing my credit but really not interested in secure card...
Thanks again

If you have no cards and your EX is a 567 you're kind of in a tough spot.  Chase will pull EX so Freedom is out.  With a TU score at 710 you can try Barclays but with no open cards that may be tough as well.  I would look at Capital One and see if you can get one of their starter cards (many on this board started there).  I know you are not interested in Secured cards but sometimes you have to start somewhere.

Ch 7 Discharge 3/12/2018
Credit One $500, Wayfair $3,500

AU Cards: CSP $34.2k; Chase Marriott $20k; Citi TY $8.5k; Barclays Arrival+ $15k
Message 8 of 27
Regular Contributor

Re: Credit card question

You could also try the shopping cart trick, read here for more information.

 

 http://ficoforums.myfico.com/t5/Credit-Cards/Which-stores-can-you-do-the-shopping-cart-trick-on/td-p...

 

It is not a hard pull if they ask for the last 4 digits of your social. Give it a shot, i have a brylane home and onestopplus.com from them. Brylane home is 500 and onestopplus i got 750..

 

 

 

 

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 9 of 27
New Member

Re: Credit card question

Okay, Thank you for all your help. I think I'll head over to Capital one and check it out!
Message 10 of 27