11-18-2009 11:44 AM
I have recently taken a position with a company where a lot of travel is involved. They quickly reimburse for the travel expenses (air/hotel/perdiem) the week after it is incurred but I don't have the cash flow at this time nor a cc w/ a sufficient limit to cover what I may need to.
I would like to apply for a card where I can hope for a limit around 5k, but am afraid that I might not get approved at all. Plus, I want to keep the inquiries down to a bear minimum (only have 1 from the last 12 months right now.)
I have a CapOne card $750 limit right now that I've had no late payments on and just today paid the balance in full.. I have baddies that are set to drop off in the next 6 months and nothing neg in the last 2 years. My fako scores: TU 652, EX 604, EQ 621.
Any suggestions on a card I might try for?
Thanks so much for any input from a long time lurker
11-18-2009 11:49 AM - edited 11-18-2009 11:51 AM
Hi Stella....what you will want to do is get your real FICO's here. There's a promotion going on right now where you can get both TU & EQ for $11 & change each.
This will give you a good indicator. Come back & tell us your scores & what state you're in. There's a good credit pull database out there to check against.
I wouldn't just app blindly til you know the score....no pun intended.
Edit: Promo code ----> NOVEMBER26
11-18-2009 12:14 PM
Let me restate - these are the scores from here : TU 652, EQ 621 Experian plus score: 604
My income: 65k
Av Acct Age: 8yrs 3months
B of A loan charge off
Beneficial natl bank sold
DoFD 7/2003 $7808
Financial problems (ending w/ divorce) 2002-2004 are still plaguing me when it comes to things like this.
11-18-2009 01:49 PM
Too bad you can't wait for those 2 to drop in Feb!
What's your util% right now?
11-18-2009 02:44 PM
11-18-2009 02:58 PM
If you can qualify for either, NFCU and PSECU are the best options for less than perfect credit. However, both have membership limitations.
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