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
How bad are the baddies? And from what companies?
What is your AAoA?
What is your income?
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
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.
Too bad you can't wait for those 2 to drop in Feb!
What's your util% right now?
If you can qualify for either, NFCU and PSECU are the best options for less than perfect credit. However, both have membership limitations.