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Established Member
Posts: 17
Registered: ‎07-10-2007
0

Household Bank Platinum MasterCard

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

 

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

 

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Household Bank Platinum MasterCard

That is HSBC,   not likely to be over $500 if that.  

Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: Household Bank Platinum MasterCard

+1

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


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Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Household Bank Platinum MasterCard


Wolf3 wrote:

That is HSBC,   not likely to be over $500 if that.  


Well, aren't we the optimist tday?  Smiley Happy

 

I wouldn't say any higher than $300.  Household is really Orchard.  Same monkey, different dress.

IAALBNYL
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Household Bank Platinum MasterCard


_123_ wrote:

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

 

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

 

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.


 

The bankruptcy may not be an overall factor, but combined with lates that followed the bankruptcy I think you're going to to find it tough.  All of your current positive tradelines are less than a year old.  And a 630 is not really so hot.

 

Unless you can somehow get in with Navy Federal, I think it will be difficult for you to get $1,000 in unsecured credit with a prime lender.  Unfortunately 18 good months are not enough to wash away many years of negatives.

 

 

IAALBNYL
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