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Easiest card to get?

Frequent Contributor

Easiest card to get?

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


Equifax - 658, Experian -628, Transunion- 704 In the garden until 01/01/2016
Message 1 of 8
7 REPLIES
Valued Contributor

DRe: Easiest card to get?

First Premier and Credit One... Smiley Very Happy

 

Totally kidding. No idea. Haha

As of 2017, rebuilding...
Message 2 of 8
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 8
Valued Contributor

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 8
Established Member

Re: Easiest card to get?

Discover
Message 5 of 8
Frequent Contributor

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
Message 6 of 8
Valued Contributor

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...
Message 7 of 8
Valued Contributor

Re: Easiest card to get?

www.whogavemecredit.com

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 8 of 8