Credit Cards Center Credit cards from our partners
Reply
Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Credit score of 700

Would someone with a EQ FICO score of 700, Experian FICO of 711, and TU FICO of 704 with 12%UTL gett approved for Best Buy MasterCard? Chase Slate? Or any other credit card that requires GOOD credit not EXCELLENT. 20K ANNUAL INCOME

Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Credit score of 700

how many inq's? I wouldn't go for BB as they are backed by Crap One...

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Re: Credit score of 700

TU 6 EQ 8 EX 14

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Credit score of 700

20k annual income is kinda harsh. 

 

id say youd get a low limit chase freedom

 

what are your cards looking like now? 

 

are you a student? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Re: Credit score of 700

not a student and my cards are looking good no late payments and no collections nor bks. Is that what you meant?

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Credit score of 700

yes thats what i meant. 

im not sure since you have a couple higher limit cards. 

 

do you have non store cards? 

 

when i applied for chase freedom i had an employye mastercard from the bank that i work at. it was 500 limit. 

chase matched it. 

 

i had a 3k macys card and 2.5k best buy store card. but according to posts on this forum (chase does not factor store credit) even though they cant tell. 

whats your aaoa? 

 

seems like youd be ok for slate as long as your aaoa is alright but id say it would be a low limit since your income is lower then alot. 

my aaoa at the time of app for freedom is 1 year 3 months and 27k income and only got 500.

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Re: Credit score of 700

[ Edited ]

Wells fargo 3k ,Sams Club Discover 3.5k and Sears MASTERCARD 1.5k 

Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Re: Credit score of 700

so slate it is?? even with inquiries

 

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Credit score of 700

[ Edited ]

didnt see the inq. a little more then i have.   

mostly due to amex and car shopping. 

 

id wait then. how many of those are newer then a year old? 

 

chase has exclusively pulled ex for me in mass all three times i applied in the past 3 years 

 

i believe i had like 4 inq on ex when i apped. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor
Posts: 4,055
Registered: ‎10-02-2012
0

Re: Credit score of 700

hmmm i live in cali so who knows but yeah the chances of being approved are low most inq are from this year ;(

Forums posts are not provided or commissioned by FICO. Forums posts 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.