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@Anonymous wrote:Hello, I'm a new guy around here and was looking for some opinions! I currently have one credit card through my local credit union (Visa Platinum) that I've had since I turned 18 in Feb.of 2015. Currently 19 and looking to add a 2nd card to the mix for personal reasons (plus more credit building). Current score (depending on bureau) is around 591-610. I do have 1 missed payment on my credit report from Matco tools, nothing over 30 days, Visa Plat. is PIF 90% of the time. Should I look into the secured card route? I was shying away from it since my current card is not, didn't really see a point in getting one. I have looked into Credit One Bank a time or 2, what drew me to them is how willing they are to do a CLI, whereas my current bank refuses to budge off of my original $500 limit that was put in place over a year ago. I have, however, read very mixed reviews about them as well. What route would you all suggest in thie case? Thank you!
I'd pay down your current CC to <10% balance and let reporting update. Then see what scores you move into. It sounds like you have a short history plus the late and the maxed out CL that are dragging your scores a bit.
Is Matco tools reporting as a retail card? Was it just one late payment?
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Anonymous wrote:Hello, I'm a new guy around here and was looking for some opinions! I currently have one credit card through my local credit union (Visa Platinum) that I've had since I turned 18 in Feb.of 2015. Currently 19 and looking to add a 2nd card to the mix for personal reasons (plus more credit building). Current score (depending on bureau) is around 591-610. I do have 1 missed payment on my credit report from Matco tools, nothing over 30 days, Visa Plat. is PIF 90% of the time. Should I look into the secured card route? I was shying away from it since my current card is not, didn't really see a point in getting one. I have looked into Credit One Bank a time or 2, what drew me to them is how willing they are to do a CLI, whereas my current bank refuses to budge off of my original $500 limit that was put in place over a year ago. I have, however, read very mixed reviews about them as well. What route would you all suggest in thie case? Thank you!
Don't get a secured card.
Don't get a Credit One, or other vulture type, card.
Try for a Capital One Platinum card. If you don't get approved, then hold off for 6 months until your scores have risen.