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Established Member
QUEENOFCANDLES
Posts: 24
Registered: ‎01-09-2014
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Easiest visa/mc to get??

Ive recently started working on my credit and have a cap one, walmart, bank one, fingerhut, jareds, kays and VS but they all have relatively low limits. I would like to set my goals for a chase or amex this year. What is the easiest card to get??
Aug 2013-TU562, EX519, EQ445
Current -TU636, EX618, EQ602
Rebuilding!!!
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: Easiest visa/mc to get??

[ Edited ]

Welcome to the forum 

More info needed to better help 

AAoA, INQ's in last year, How long have you had the cards, what do you spend the most on, Travel or cash back card, other loans car mortgage and any baddies?

"Intelligence plus character--that is the goal of true education"
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Valued Contributor
juggalo9er
Posts: 1,648
Registered: ‎10-24-2013
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Re: Easiest visa/mc to get??

barclay apple imho

the beatings will continue until moral improves Wal-Mart lowes, quicksilver, nasa, forum, Indiana members, nfcu, Barclay, upromise

id/2760iB9166C1A493A3CBC" width="50" border="0">
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Creditaddict
Posts: 22,116
Registered: ‎10-23-2007
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Re: Easiest visa/mc to get??


QUEENOFCANDLES wrote:
Ive recently started working on my credit and have a cap one, walmart, bank one, fingerhut, jareds, kays and VS but they all have relatively low limits. I would like to set my goals for a chase or amex this year. What is the easiest card to get??

if you have all those cards you need NO MORE to build a strong history and score to qualify for amex and big cards this year depending what is holding you down... is it all your new accounts? short history? or do you have baddies?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
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Senior Contributor
baller4life
Posts: 3,989
Registered: ‎09-13-2013
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Re: Easiest visa/mc to get??


Creditaddict wrote:

QUEENOFCANDLES wrote:
Ive recently started working on my credit and have a cap one, walmart, bank one, fingerhut, jareds, kays and VS but they all have relatively low limits. I would like to set my goals for a chase or amex this year. What is the easiest card to get??

if you have all those cards you need NO MORE to build a strong history and score to qualify for amex and big cards this year depending what is holding you down... is it all your new accounts? short history? or do you have baddies?


+1



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MY WALLET: $10k NFCU CASH|$10k BOA CASH|$10k DINER'S CLUB PREMIER|$9k AMEX DELTA
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Established Member
QUEENOFCANDLES
Posts: 24
Registered: ‎01-09-2014
0

Re: Easiest visa/mc to get??

I have had my CapOne for 8 years, and my Kay for about the same. I have several good paid off installment loans and a few good car loans paid off. Only one 30day late payment two years ago. I have a few baddies I am working on too (collections for med bills, and two charge offs) but I have gone from a low 500s to a 626 ish in the past few months. I need to get my utilization rate down ALOT. That is what I am working on now. AAoA is 5 years, with 14 being the oldest and BRAND NEW being the shortest.

Aug 2013-TU562, EX519, EQ445
Current -TU636, EX618, EQ602
Rebuilding!!!
Contributor
rockinn8
Posts: 92
Registered: ‎08-08-2013
0

Re: Easiest visa/mc to get??

Hello!  Welcome to the forums!  I would suggest that you hold off on applying for new cards and garden for a while and let your new accounts age, while thats happening pay down your balances and get your utilization under control.  I would take a look into the Rebuilding Your Credit Section of the forums to see how to write GW (goodwill letters) for your late payments, and maybe some PFD (pay for deletes).  The Rebuilding Your Credit section of the forums helped me out tremendously last year!  Good luck on your journey and I hope you stick to your goals, soak up all the knowledge here on the boards...



Starting Score: EQ FICO 673 TU FAKO 641
Current Score: EQ FICO 740, EX FICO 748, TU FICO 722 (Discover)
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FinStar
Posts: 6,980
Registered: ‎10-21-2012
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Re: Easiest visa/mc to get??


rockinn8 wrote:

Hello!  Welcome to the forums!  I would suggest that you hold off on applying for new cards and garden for a while and let your new accounts age, while thats happening pay down your balances and get your utilization under control.  I would take a look into the Rebuilding Your Credit Section of the forums to see how to write GW (goodwill letters) for your late payments, and maybe some PFD (pay for deletes).  The Rebuilding Your Credit section of the forums helped me out tremendously last year!  Good luck on your journey and I hope you stick to your goals, soak up all the knowledge here on the boards...


+1

 

Good advice here OP.   Working on those negative items will be a benefit in the long term as you rebuild your profile.

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Mega Contributor
coldnmn
Posts: 15,957
Registered: ‎08-08-2011
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Re: Easiest visa/mc to get??


FinStar wrote:

rockinn8 wrote:

Hello!  Welcome to the forums!  I would suggest that you hold off on applying for new cards and garden for a while and let your new accounts age, while thats happening pay down your balances and get your utilization under control.  I would take a look into the Rebuilding Your Credit Section of the forums to see how to write GW (goodwill letters) for your late payments, and maybe some PFD (pay for deletes).  The Rebuilding Your Credit section of the forums helped me out tremendously last year!  Good luck on your journey and I hope you stick to your goals, soak up all the knowledge here on the boards...


+1

 

Good advice here OP.   Working on those negative items will be a benefit in the long term as you rebuild your profile.


+2 Great advice!

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