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Looking for My first 2K + card (newbie)

New Contributor

Looking for My first 2K + card (newbie)

Hello all,

 

I am pulled my CR's from FCR and one of my negs was that no credit limit over 2K. Currently I have the following

 

Car Loan (cu) no time no lates 36 month term about 10 months left 9% interest

OB/ Cap1 (secured) CL 1500/B 1000 open 2008 1 30 day in 2010

Cap1 (unsecured) CL 500/ B 300 open 1/2012 CLI from 300 July 2012

Walmart (unsecured) CL 500/ B 0 open July 2012

Oldest reporting account 8.4 AAoA 4.6

The rest of my info is in my sig.....

 

Please help me have 3-4 inquiry's any suggestions on a card that might take me Smiley Happy ..........

FICO EX 811, EQ 821, TU 826
Message 1 of 11
10 REPLIES
Established Contributor

Re: Looking for My first 2K + card (newbie)

Which cu do you belong to? And have you tried there?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 2 of 11
New Contributor

Re: Looking for My first 2K + card (newbie)

Health One CU here in MI, they offer a MC, charge 5 dollars to apply. No I haven't applied yet, i know they only report to EX and TU. I really want sonething that will report to all 3 CRA

FICO EX 811, EQ 821, TU 826
Message 3 of 11
Established Contributor

Re: Looking for My first 2K + card (newbie)

Hmm, what are your fico scores?

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 4 of 11
Established Contributor

Re: Looking for My first 2K + card (newbie)

Nvm saw it, let your BK fall off.  To bad that 1500 cl is cap 1 they're not gonna budge on a cli.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 5 of 11
Moderator

Re: Looking for My first 2K + card (newbie)

Ignore that FCR recommendation, that's junk as far as FICO is concerned.

 

Pay down the balances (that's your major FICO penalty, 60%+ utilization on two cards) and wait for the BK to fall off and you'll be fine.

 

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


Take the myFICO Fitness Challenge
Message 6 of 11
Established Contributor

Re: Looking for My first 2K + card (newbie)

Any idea as to your current FICO scores?

 

If you pay down your balances it should boost your scors a bit, then when the repo and BK fall off it seems you'll be in decent shape. I would try to add to your CC portfolio, maybe walmart card may be attainable, even Barclays if you pay balances down?

 

As Revelate mentioned, ignore the recommendation about 2k card holding you back. Still you want to get (or be set up to get) bigger limits for other reasons.

 

Message 7 of 11
Valued Contributor

Re: Looking for My first 2K + card (newbie)

Get your balances and util down.  Remember to go for cli every 4 months on gemb accounts such as your Walmart card.

               LIMITS IN CARD DESCRIPTIONS
Message 8 of 11
Moderator Emeritus

Re: Looking for My first 2K + card (newbie)

Pay down balanced. They aren't going to give you a nice CL if you're already maxed on current cards. BK is a no go with a lot of companies. Check out the BK friendly list

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 9 of 11
New Contributor

Re: Looking for My first 2K + card (newbie)

Thanks, I will have all my cards paid off in the next month. I have been pretty app shy for years I only applied for the Walmart card because I read some much about it here. I just want to be sure I am on the right track.

FICO EX 811, EQ 821, TU 826
Message 10 of 11