High fico as AU

[Gmood1]

They have a pre-qualification site that SPs your EQ. Yes it's possible to obtain a Discover with no HP at all... I've done it.

[Anonymous]

---

@Anonymous wrote:

Even if im not prequalified for a card, I can still apply for it and get approved?

---

Absolutely you can still be approved for a card if you're not prequalified.  At the same time, you can be declined if you are preapproved.

[601flyguy]

OP, what is your average age of accounts?? The discover secured may actually be best.

[Anonymous]

Congrats on the awesome score increase!!

[Anonymous]

Thanks daqueen....flyguy the average is only showing for the account that I’m AU on which is 1yr

[Adkins]

I would absolutely do the discover secured. It has a good graduation rate. Put as much (eventually max out if you can eventually) down for the secured line now.  Wait six months, use the card, let a small balance report, then PIF each month. You'll have a stronger payment history and have a better chance at a higher limit card at that point. 

[Anonymous]

Should i let a small balance report every month, or just the first month and then leave it at 0% utilization ?

[Gmood1]

I'd allow statements to cut with a balance. Then pay normally by due date. Only if your utilization is over 29% would I pay it down before statements cut. If you want to micromanage, pay them down to 9% before statements cut. Personally,
I find that a waist of time and effort.