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Frequent Contributor
CreditGuy03
Posts: 317
Registered: ‎08-13-2008
0

Easiest card to get?

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

Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

DRe: Easiest card to get?

First Premier and Credit One... :smileyvery-happy:

 

Totally kidding. No idea. Haha

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

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 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

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: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Member
Joel282
Posts: 30
Registered: ‎10-30-2012
0

Re: Easiest card to get?

Discover
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
0

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
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: Easiest card to get?

[ Edited ]

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.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

Re: Easiest card to get?


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