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Frequent Contributor
Posts: 317
Registered: ‎06-19-2008
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Good Store Cards to App for?

I'm in the rebuilding stages of my credit and at the moment I have NF $500, cap 1 $7500, USAA $250, and Kay Jeweler's $900. What store cards should I app for and arent too hard to obtain. Im 1.5 yrs out of BK so they have to be bk friendly. Thanks!

-------------------------------------------------------------------------------------------------Fico Score Range 600-625 across the board
Valued Contributor
Posts: 1,988
Registered: ‎06-25-2012
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Re: Good Store Cards to App for?

Walmart or any GEbank backed cards. If you didnt burn them.
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Frequent Contributor
Posts: 317
Registered: ‎06-19-2008
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Re: Good Store Cards to App for?

The ones I burned were credit one, cap 1, macys, hsbc, and hooters.

-------------------------------------------------------------------------------------------------Fico Score Range 600-625 across the board
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: Good Store Cards to App for?

+1@jsickz


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
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Valued Contributor
Posts: 1,621
Registered: ‎09-15-2012
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Re: Good Store Cards to App for?


shalane85 wrote:

I'm in the rebuilding stages of my credit and at the moment I have NF $500, cap 1 $7500, USAA $250, and Kay Jeweler's $900. What store cards should I app for and arent too hard to obtain. Im 1.5 yrs out of BK so they have to be bk friendly. Thanks!


May I ask why you are looking for new credit, or a store card specifically?  I think that will help with responses.


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
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Re: Good Store Cards to App for?

+1 Walmart, Lowes, etc.  any GE backed card.  If you treat them right they will grow with you.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Good Store Cards to App for?

+1 for GE cards. Walmart apply for Discover version then they will determine which one you qualify for the store card or Discover. Amazon is also by GE. They are great with CLI!


Last Pulled EQ: 809
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Established Contributor
Posts: 560
Registered: ‎09-29-2012
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Re: Good Store Cards to App for?


SnackTrader wrote:

shalane85 wrote:

I'm in the rebuilding stages of my credit and at the moment I have NF $500, cap 1 $7500, USAA $250, and Kay Jeweler's $900. What store cards should I app for and arent too hard to obtain. Im 1.5 yrs out of BK so they have to be bk friendly. Thanks!


May I ask why you are looking for new credit, or a store card specifically?  I think that will help with responses.


+1 for why?

Established Contributor
Posts: 560
Registered: ‎09-29-2012
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Re: Good Store Cards to App for?


shalane85 wrote:

I'm in the rebuilding stages of my credit and at the moment I have NF $500, cap 1 $7500, USAA $250, and Kay Jeweler's $900. What store cards should I app for and arent too hard to obtain. Im 1.5 yrs out of BK so they have to be bk friendly. Thanks!


Why?

 

Do you plan on shopping at these stores?

 

If not, getting credit just to get credit (or in the hopes that it will help you rebuild) is not going to help you.

 

 

Dare I venture to guess that you don't or hardly shop at a jewerly store (aka Kays)?  Buying diamonds everyday are we?

Frequent Contributor
Posts: 317
Registered: ‎06-19-2008
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Re: Good Store Cards to App for?

Why? Well I am trying to build my credit and I love discounts. I just opened the Kay's because I was buying jewelry and I actually will use it. I thought having a good mix of credit is good for your fico scores. For the first yr after my BK I didnt have any credit except for a car loan so all of my accounts are less than 3 month old. Maybe I should weight until my cards are older? Am I applying for too much too soon?

-------------------------------------------------------------------------------------------------Fico Score Range 600-625 across the board

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