Credit Cards

[Brian_Trying_700]

I need some advice here. Here is a quick breakdown.

Loan on car April 2011

Capital One June 2010 Credit $1750.00 Balance $205.00  

Amex Zynx  October 2011 Credit $500.00 Balance 0.00

Orchard Bank November 2010 Credit $300.00 Balance  0.00

Macys June 2005 Credit @ $100.00 haaaa    Balance 0.00

I have never missed any payments and only use about 30% credit on each card I have. My Fico score is a 659.  I have on my credit report  baddy for $200.00 from 4 years ago and plan on leaving there. Im thinking about apply a Discover Card, but which one. I go out to dinner a lot. I'm not a big shopper though. The reason why I want a Discover card is because I'm looking to purchase a home. Any help..... Which card and when should I apply ?

[To-Be-Continued]

Try to see if you're qualified for a pre approval first.

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer?

GL

TBC

[Brian_Trying_700]

I hope my 659 credit would be ok. I'm affaid to take a enquiry since I have none. Should I wait till like June. I would like a 700 credit score. If i apply now I might get a lower credit score or $ limit.

[To-Be-Continued]

The link I gave above is a soft pull on your credit not a hard. It is only to tell you if you qualify, if you get an offer  from the link go for the full app (hard pull)

TBC

[FrugalRican]

I tried using the pre approval form once and it said that it had no pre approval offers for me because I wasn't in their records.

Well, duh.

[Brian_Trying_700]

Would it be better to wait for a better credit score for a better credit limit. Or should I get my foot in the door.

[To-Be-Continued]

What kind of baddies do you have on your CR?

[FrugalRican]

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Brian_Trying_700 wrote:

  I have on my credit report  baddy for $200.00 from 4 years ago and plan on leaving there.

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That's his baddy.

I've personally heard stories of Discover not liking baddies too much, but it is from 4 years ago, so not sure.

I've thought about applying to them but I'm going to try to get my util down (currently at 28%).

[To-Be-Continued]

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FrugalRican wrote:

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Brian_Trying_700 wrote:

  I have on my credit report  baddy for $200.00 from 4 years ago and plan on leaving there.

---

That's his baddy.

I've personally heard stories of Discover not liking baddies too much, but it is from 4 years ago, so not sure.

I've thought about applying to them but I'm going to try to get my util down (currently at 28%).

---

+1

[SoulMaster]

I got my Disco More 11 mo after a BK7 discharge, so I don't know how much Discover doesn't like Baddies.

FWIW, I didn't have any thing listing on the pre-approval Disco site either.  I apped for the card on thier site w/ 0% intro and a CB bonus for X spend in 3 months, got declined for that offer and it came back with "But we CAN approve you for 3.9% intro APR".  It didn't make any mention of getting the bonus, I'm guessing I won't get one, but my 3rd statement won't cut until tomorrow.

YMMV.

-SM