@betterscorenow wrote:I am trying to decide whether to apply for a secured or unsecured card. My score is only about 660 and I'm afraid that I'll be rejected and worsen my score with inquiries.
On the other hand, will a secured card improve my score at this point? I don't have any credit cards at the moment.
You should be able to get a Walmart card. I think the threshold for them are 620's. Barclays might let you in, but I think they like to see some credit card history first. How old is the BK? I got all my cards with scores ranging from 642-696 FICO.
(Formerly known as: Credit is my hobby (1.6M)/TCL objective)
@ecxpa wrote:I would try GECRB cards first; they offer store cards and Visa/MC/Discover cards. For example, I had the Wal-Mart and Sam's Club store cards, have since been able to get Wal-Mar and Sam's Club Discover cards; started with Old Navy store card, now have the Old Navy Visa. Just my 2 cents worth, but an application with GERCB at least gives you 2 chances at getting a card. If they don't approve you for the Visa/MC version of the card they OFTEN will approve you for a store card.
+1
........another thing......the CL grows fast with GECRB
@ecxpa wrote:........another thing......the CL grows fast with GECRB
I'm hoping and praying for another auto cli this month. March 9th will be another 4th statement