Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012 
I imagine if you've been a member for a while. We don't have a credit card thru our old credit union, but even with scores around the 490-500s, we were able to be approved for car loans. Granted, not great rates (11%), but still. It was nice to just call and say "We need a new car, what can we spend?"
I'm torn between applying for my credit union or for chase freedom.... i used to have a credit union credit card about 7 yrs ago but they closed it because of 11 30-day lates.... it was only for $500 when I was new to credit... they are actually my very first bank from my university that I opened back in 2001, my first year in college... just don't wanna risk of gettn denied for freedom or with a toy limit.......
aplast wrote:you know I believe YMMV. when I joined my CU they offered me a 0% BT 12 month offer if I opened a CC with them. I said ok, and they came back and said, " we can pay off your walmart card." I had a balance of 525 because I was taking advantage of 0% for 18 months. I tried to explain that and they came back and said we are trying to get you out of debt. Um I did get an awesome rate when I refinanced my car, but seriously? I couldnt believe they only offered me 600 bucks. oh well. My cap1 and sams discover are getting a good workout these days. Their rewards are better anyways. Hopefully they wont offer you a toy limit!
I know, am tryin not to get a limit under $500.... I know my credit is not perfect but it really improved this past 5-6 months... my two capital ones finally reached $1000 and $1250 and my GE cards were over $1000+ ... I just want a good card with higher limit so I can use it this holiday (with rewards)... I really want a freedom card... I wonder if they would approve me once they see that I have an AMEX card..... 
kobe2012 wrote:
aplast wrote:you know I believe YMMV. when I joined my CU they offered me a 0% BT 12 month offer if I opened a CC with them. I said ok, and they came back and said, " we can pay off your walmart card." I had a balance of 525 because I was taking advantage of 0% for 18 months. I tried to explain that and they came back and said we are trying to get you out of debt. Um I did get an awesome rate when I refinanced my car, but seriously? I couldnt believe they only offered me 600 bucks. oh well. My cap1 and sams discover are getting a good workout these days. Their rewards are better anyways. Hopefully they wont offer you a toy limit!
I know, am tryin not to get a limit under $500.... I know my credit is not perfect but it really improved this past 5-6 months... my two capital ones finally reached $1000 and $1250 and my GE cards were over $1000+ ... I just want a good card with higher limit so I can use it this holiday (with rewards)... I really want a freedom card... I wonder if they would approve me once they see that I have an AMEX card.....
I have a friend who has similar scores to you.. he has a couple collections applied for freedom and got denied. I got him to call and recon and they approved him for 500 bucks. I mean I know the card will grow with responsible use... so I told him it was a success. BTW his quarterly cashback is pretty similar to my discover card.. obviously different catagories but nonetheless he seems to really like it. and I know this sounds absolutely crazy to anyone but us on this board, but I like the lime green outline on the edge of the freedom card! haha I know I know....
Edit: MY GE cards have grown with me so far as well! Keep those in good standing and remember every 4 statements go for that CLI! It has done wonders to my utilization
aplast wrote:
kobe2012 wrote:
aplast wrote:you know I believe YMMV. when I joined my CU they offered me a 0% BT 12 month offer if I opened a CC with them. I said ok, and they came back and said, " we can pay off your walmart card." I had a balance of 525 because I was taking advantage of 0% for 18 months. I tried to explain that and they came back and said we are trying to get you out of debt. Um I did get an awesome rate when I refinanced my car, but seriously? I couldnt believe they only offered me 600 bucks. oh well. My cap1 and sams discover are getting a good workout these days. Their rewards are better anyways. Hopefully they wont offer you a toy limit!
I know, am tryin not to get a limit under $500.... I know my credit is not perfect but it really improved this past 5-6 months... my two capital ones finally reached $1000 and $1250 and my GE cards were over $1000+ ... I just want a good card with higher limit so I can use it this holiday (with rewards)... I really want a freedom card... I wonder if they would approve me once they see that I have an AMEX card.....
I have a friend who has similar scores to you.. he has a couple collections applied for freedom and got denied. I got him to call and recon and they approved him for 500 bucks. I mean I know the card will grow with responsible use... so I told him it was a success. BTW his quarterly cashback is pretty similar to my discover card.. obviously different catagories but nonetheless he seems to really like it. and I know this sounds absolutely crazy to anyone but us on this board, but I like the lime green outline on the edge of the freedom card! haha I know I know....
lol... I like the card design too!!!! that's one of the reasons I want it...lol... then I saw the CSP... it's even prettier!! most chase cards look nice i should say...
kobe2012 wrote:
aplast wrote:you know I believe YMMV. when I joined my CU they offered me a 0% BT 12 month offer if I opened a CC with them. I said ok, and they came back and said, " we can pay off your walmart card." I had a balance of 525 because I was taking advantage of 0% for 18 months. I tried to explain that and they came back and said we are trying to get you out of debt. Um I did get an awesome rate when I refinanced my car, but seriously? I couldnt believe they only offered me 600 bucks. oh well. My cap1 and sams discover are getting a good workout these days. Their rewards are better anyways. Hopefully they wont offer you a toy limit!
I know, am tryin not to get a limit under $500.... I know my credit is not perfect but it really improved this past 5-6 months... my two capital ones finally reached $1000 and $1250 and my GE cards were over $1000+ ... I just want a good card with higher limit so I can use it this holiday (with rewards)... I really want a freedom card... I wonder if they would approve me once they see that I have an AMEX card.....
the reward would be minimal for freedom at the moment.
currently the only offer they have for (5%) is kohls and best buy. and hotel/airlines purchased DIRECTLY through the companies. everything else is 1% unless you shop through the rewards mall.
i would say at discover its dept stores right now which is a little vauge but since i dont have the card so im not sure.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
