Credit Card Center Advertiser Disclosure

Posts: 15
Registered: ‎06-01-2008
0 Kudos

I'm applying for a new card to improve my credit but which card?

Hey all,

I'm trying to improve my credit. Based on all I've read, applying for and being granted a card that you use responsibly is one of the best ways to do it. At present I have only one credit card (Citibank Mastercard) with a $2800 limit.

Can anybody suggest a card that they've been happy with and issued by a company that put favorable things into your credit reports? I'm also about to open a new bank account with BoA. Would it make sense to just get a card through them? Obviously I want to apply for a card that I'll be approved for!

Finally, will applying for a credit card and getting the associated inquiry hurt my score in the short term?

Any advice is greatly appreciated!

my FICO - 06/02/2008: EQ 727, EX 725, TU 665
TC FAKO - 06/14/2008: EQ 680, EX 727, TU 720
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: I'm applying for a new card to improve my credit but which card?

If you only have one open revolving account, I doubt that you'll get even a temporary score dip. I'm guessing an increase right off the bat.

I'd definitely try out BofA, if you don't have recent stinky stuff, or if you didn't burn them in the past.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: I'm applying for a new card to improve my credit but which card?

I'd consider a store charge card like Macys. I started in August with 0 CCs and saw a bump when I was approved for my 3rd or 4th CC which was Macys. I too don't think you'll have a score hit.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.