I need another card..... Please Help me Choose!!!

[prolificjinx23]

I have 15 inq on EQ, 9 on EX & 9 on TU. This is my credit history & scored below are FICO's...... 

Negative TL's	Equifax 601	Experian 637	TransUnion 628	Status	Deletion Date	What's Wrong
BOA	$0	$0	$0	***CLOSED***	04/2015	Charge Off; 6 Lates: 30, 60, 90, 120, 150, 180 (05/08 - 10/08)
Merrick Bank (Plains)	$400	$400	$400	***CLOSED***	09/2016	$400.00 Balance; 2 Lates on EQ & TU:  90 120 (11 & 12/10); 4 Lates on EX 30 60 90 120 (09 - 12/10)
TOTALS	$400	$400	$400
Positive TL's	Balance Reporting	Balance Reporting	Balance Reporting	Credit Limits	Updates After	Actual Balances/Changes
Capital One Secured MC	$375	$375	$375	$500	8th	$321.38
Orbitz Capital One VISA	N/R	N/R	N/R	$500	16th	$0.00
DSNB/Macy's	N/R	N/R	N/R	$300	N/R	$0
National Auto Lenders	$0	$0	$0	***CLOSED***	N/A	$0
GECRB/Chevron	DELETED	$0	DELETED	***CLOSED***	N/A	$0
SCCU Secured Loan	$0	$0	$0	***CLOSED***	N/A	$0
TOTALS	$375	$375	$375	$1,300		$321.38

[Anonymous]

based on your score, number of INQs, and number of cards, i would disagree with the title of your post and say that you do not need another credit card.

the whole point of having credit is to utilize it properly so that it can benefit you with rewards and lower interest rates.  why can't you just use the cards you have to achieve this?

as a side note, regarding your history, i doubt any card you will be approved for will be much better than what you already have.  and if that statement is true, again i would ask why you need another credit card.  i'm sure EQ/TU/Experian are asking the same thing.

take a year or so to build your credit up with what you have, then get a card that has benefits that you can qualify for.

[Anonymous]

I think you'd be better off trying to clean up your report a bit before you apply for new credit. See if you can write some GW letters to get rid of late payments and the likes.

With the negatives on your report, amount of inquiries and your current scores, I don't think you'll get a very good card from anyone. You'll either end up with something like First Premier or another secured card.

However, if you absolutely must get another card right now, I'd look into getting a secured card with a credit union (or maybe bank) that you already bank with.

[prolificjinx23]

I'm at a stand still when it comes to cleaning my report.... This is as good as it gets!!!! This is what I have to work with since BOA & Merrick Bank will N E V E R accept any GW's. I was told that my scores are good enough to get a mortgage for the home I want but the bank is asking me to get another credit card with a higher CL. 

If I keep hearing NO after waiting the last 6 months... What will another 6 months do??? PLEASE don't say that my lates will age more - that isn't true given the fact that I have a 180 day late from BOA that doesn't fall off until 2015!!!

PS... My CU just declined me for a cc because of the lates.... 

[CreditMuppet]

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@prolificjinx23 wrote:

I'm at a stand still when it comes to cleaning my report.... This is as good as it gets!!!! This is what I have to work with since BOA & Merrick Bank will N E V E R accept any GW's. I was told that my scores are good enough to get a mortgage for the home I want but the bank is asking me to get another credit card with a higher CL. 

If I keep hearing NO after waiting the last 6 months... What will another 6 months do??? PLEASE don't say that my lates will age more - that isn't true given the fact that I have a 180 day late from BOA that doesn't fall off until 2015!!!

PS... My CU just declined me for a cc because of the lates.... 

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Unfortunately with your excessive inquiry's and late's, I think all you can do is wait paciently to establish some good credit history, build what you have for now, as you still have toy limits, even if you could get approved for more unsecured credit (which would be unlikely IMHO) it would be more of the same.  Another secured card perhaps?

[Anonymous]

If the CU already declined you.. your only real choice is probably a secured card. Those aren't guaranteed approval either, but at least you have a better chance.

I know my EQ report ended up with an excessive amount of inquiries (hadn't been monitoring it and a bunch of apps had pulled TU/EX plus EQ, I guess) so I'm just having to play the waiting game on that.

From what I understand, the older a late payment is, the less it should affect your chances of approval - at least if they do a manual review of your application. But again, YMMV.

[prolificjinx23]

Thanks for the advice!!!

[Anonymous]

Even if you could get a mortgage, perhaps you should wait.

[john398]

Its probably not a good idea to post your whole account number online

[prolificjinx23]

John398,

I wish someone would try LMAO!!! They'd probably get B**** slapped by the merchant!!! That account number is as good as a bikini in December!!!!