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kalani91
Posts: 113
Registered: ‎07-20-2013
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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.

EX 724 ,NFCU Cash Rewards 7k DCU Plat 4.1k, Discover IT 2.5k Chase Freedom 2k. . Cap1 Plat $1.5k, Cap1 QS 1k, , Wells fargo 1.5k, Paypal 1.5k
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enharu
Posts: 7,132
Registered: ‎02-27-2013
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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), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Contributor
kalani91
Posts: 113
Registered: ‎07-20-2013
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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?

EX 724 ,NFCU Cash Rewards 7k DCU Plat 4.1k, Discover IT 2.5k Chase Freedom 2k. . Cap1 Plat $1.5k, Cap1 QS 1k, , Wells fargo 1.5k, Paypal 1.5k
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myjourney
Posts: 26,659
Registered: ‎02-07-2013
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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"
Last 5 apps 6/6/13


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09Lexie
Posts: 26,340
Registered: ‎09-13-2012
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Re: Fico 776, small credit history. Which card to get?

Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
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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), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
09Lexie
Posts: 26,340
Registered: ‎09-13-2012
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Re: Fico 776, small credit history. Which card to get?

I'm surprised the cc is still open with no activity.
Contributor
kalani91
Posts: 113
Registered: ‎07-20-2013
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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. 

EX 724 ,NFCU Cash Rewards 7k DCU Plat 4.1k, Discover IT 2.5k Chase Freedom 2k. . Cap1 Plat $1.5k, Cap1 QS 1k, , Wells fargo 1.5k, Paypal 1.5k
Contributor
kalani91
Posts: 113
Registered: ‎07-20-2013
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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

EX 724 ,NFCU Cash Rewards 7k DCU Plat 4.1k, Discover IT 2.5k Chase Freedom 2k. . Cap1 Plat $1.5k, Cap1 QS 1k, , Wells fargo 1.5k, Paypal 1.5k
Moderator
09Lexie
Posts: 26,340
Registered: ‎09-13-2012
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Re: Fico 776, small credit history. Which card to get?


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