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Easiest card to get?

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CreditGuy03
Established Contributor
‎11-01-2012 07:13 AM
‎11-01-2012 07:13 AM

Easiest card to get?

Besides cap 1 and NFCU what are some other lenient cards to obtain with around 640 credit scores?

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 1 of 8
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maiden_girl
Valued Contributor
‎11-01-2012 07:15 AM
‎11-01-2012 07:15 AM

DRe: Easiest card to get?

First Premier and Credit One... Smiley Very Happy

 

Totally kidding. No idea. Haha

As of 2017, rebuilding...
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Epcot
Valued Contributor
‎11-01-2012 07:17 AM
‎11-01-2012 07:17 AM

Re: DRe: Easiest card to get?

Although a store card, Walmart might be a good option. It grows nicely and gives you a TU score.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
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nicholasyud
Valued Contributor
‎11-01-2012 07:20 AM
‎11-01-2012 07:20 AM

Re: DRe: Easiest card to get?

Walmart, GE brand, you might try Discover if you don't have any baddie....my buddie got approved for 640 

Starting Score: 560
Current Score: ?
Goal Score: 800
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Anonymous
Not applicable
‎11-01-2012 07:48 AM
‎11-01-2012 07:48 AM

Re: Easiest card to get?

Discover
Message 5 of 8
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somnipotent
Frequent Contributor
‎11-01-2012 07:54 AM
‎11-01-2012 07:54 AM

Re: Easiest card to get?

Go for a Walmart Store card.  The free TU08 FICO is worth it plus it grows exponentionally and will get your score up pretty quick.  Also apply for an AMEX green if you have no baddies.  I got a Gold with a FICO of 640.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
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maiden_girl
Valued Contributor
‎11-01-2012 07:57 AM
‎11-01-2012 07:57 AM

Re: Easiest card to get?

A store card would be your best bet IMO. I agree with the others...something that's GE backed b/c it has potential to grow and upgrade if you initially only start out with the store card.

As of 2017, rebuilding...
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Repo-ed
Senior Contributor
‎11-01-2012 07:58 AM
‎11-01-2012 07:58 AM

Re: Easiest card to get?

www.whogavemecredit.com

 

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
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