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Established Member
kalani91
Posts: 43
Registered: ‎07-20-2013

Fico 776, small credit history. Which card to get?

[ Edited ]

My girlfriend has a 776 Fico score from this site. Very Low credit history with school loans opened up 4 years ago and a credit card opened up from BofA 4 years ago too. She never actually used the card so it doesn't show payments but is still open. No inquiries, no baddies.

 

Which would be a good card she can get? I Already know the top cards around for great scores but not sure of cards that approve people with very small history.

 

She is going to switch her old card to a better cash back BofA card but I want her to get more cards so we can build credit together and get a house.

FICO SCORE 612, Experian 662, AAoA 2.5 years, Utilization 90%+ ( working on improving it). Capital One Platinum $1.5k, Capital One Quicksilver 1k, Discover 1.5k, Wells fargo 1.5k, Paypal line of credit 1.5k, Bill me later $800.
Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: Fico 776, small credit history. Which card to get?

Her credit history isn't exactly thin though she only has 1 card. I would say she should have no problem getting approved for most cards, with few exceptions, depending on her CL on the BofA card.

Ask for a CLI with BofA first.
What type of cards is she interested in?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Established Member
kalani91
Posts: 43
Registered: ‎07-20-2013

Re: Fico 776, small credit history. Which card to get?

Her BofA is low at 700$ eeek. She's interest in some cash back cards or just any good foot in the door card that could grow big. I heard us bank has nice cash back but wondering if she'd be able to make that?

FICO SCORE 612, Experian 662, AAoA 2.5 years, Utilization 90%+ ( working on improving it). Capital One Platinum $1.5k, Capital One Quicksilver 1k, Discover 1.5k, Wells fargo 1.5k, Paypal line of credit 1.5k, Bill me later $800.
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Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: Fico 776, small credit history. Which card to get?


enharu wrote:
Her credit history isn't exactly thin though she only has 1 card. I would say she should have no problem getting approved for most cards, with few exceptions, depending on her CL on the BofA card.

Ask for a CLI with BofA first.
What type of cards is she interested in?

+1 with 4 years history she pretty much can take her pick

"Intelligence plus character--that is the goal of true education"
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Moderator
09Lexie
Posts: 22,557
Registered: ‎09-13-2012

Re: Fico 776, small credit history. Which card to get?

Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: Fico 776, small credit history. Which card to get?

Call BofA for a CLI first. With a 700 CL trade line her options are a lot more restricted. BofA can be pretty generous with CLIs.

So she never used the card even once?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Moderator
09Lexie
Posts: 22,557
Registered: ‎09-13-2012

Re: Fico 776, small credit history. Which card to get?

I'm surprised the cc is still open with no activity.
Established Member
kalani91
Posts: 43
Registered: ‎07-20-2013

Re: Fico 776, small credit history. Which card to get?

I'm going to sign in her account tomorrow to double check pyt history. She never used the card but it showed on her account. Not one single bill. 

FICO SCORE 612, Experian 662, AAoA 2.5 years, Utilization 90%+ ( working on improving it). Capital One Platinum $1.5k, Capital One Quicksilver 1k, Discover 1.5k, Wells fargo 1.5k, Paypal line of credit 1.5k, Bill me later $800.
Established Member
kalani91
Posts: 43
Registered: ‎07-20-2013

Re: Fico 776, small credit history. Which card to get?

Would it be best to CLI and then wait until it shows in credit report? Then apply for some CC's

FICO SCORE 612, Experian 662, AAoA 2.5 years, Utilization 90%+ ( working on improving it). Capital One Platinum $1.5k, Capital One Quicksilver 1k, Discover 1.5k, Wells fargo 1.5k, Paypal line of credit 1.5k, Bill me later $800.
Moderator
09Lexie
Posts: 22,557
Registered: ‎09-13-2012

Re: Fico 776, small credit history. Which card to get?


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