08-13-2013 06:57 AM
08-13-2013 07:41 AM
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
08-13-2013 07:43 AM
Its the Chase Freedom card i have by the way.
08-13-2013 07:56 AM
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?
08-13-2013 08:11 AM
08-13-2013 08:17 AM
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...
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.
08-13-2013 08:20 AM
You could also try the shopping cart trick, read here for more information.
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..
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