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Senior Contributor
Posts: 3,752
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: 3,752
Registered: ‎10-02-2012
0

Re: Credit score of 700

TU 6 EQ 8 EX 14

Valued Contributor
Posts: 2,256
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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Posts: 3,752
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: 2,256
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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Posts: 3,752
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: 3,752
Registered: ‎10-02-2012
0

Re: Credit score of 700

so slate it is?? even with inquiries

 

Valued Contributor
Posts: 2,256
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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Posts: 3,752
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 ;(


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