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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012

Looking for a Credit Card...can you help me?

I have a 673 Equifax, but the other bureaus are not so good of a score.

 

Can anyone recommend a credit card that may have at least a chance of approving me, even if with a low limit?

 

They should probably pull Equifax. I am in California if that helps.

 

 




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Looking for a Credit Card...can you help me?


Johnny_Favorite wrote:

I have a 673 Equifax, but the other bureaus are not so good of a score.

 

Can anyone recommend a credit card that may have at least a chance of approving me, even if with a low limit?

 

They should probably pull Equifax. I am in California if that helps.

 

 


-What other card do you have?

-How long have you had them?

-Any Baddies??

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: Looking for a Credit Card...can you help me?

You should take a look at whogavemecredit.com 

 

That will give you an idea of what you would qualify for that would pull eq in ca 

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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012

Re: Looking for a Credit Card...can you help me?

I have a US bank secured - $300 limit. Just reported.

 

1 reposession charge off about 6 years ago.

 

Should I just wait a year to get experience with the US bank and let the repo drop off?

 

 




Established Contributor
jamie123
Posts: 737
Registered: ‎03-22-2012

Re: Looking for a Credit Card...can you help me?

Apply for the AMEX Zync. You should be approved if that is the only negative on your report.



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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Looking for a Credit Card...can you help me?


Johnny_Favorite wrote:

I have a US bank secured - $300 limit. Just reported.

 

1 reposession charge off about 6 years ago.

 

Should I just wait a year to get experience with the US bank and let the repo drop off?

 

 


Yes, good idea. Also make deposits on the secured card though the year. Try to get it to 2K.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Looking for a Credit Card...can you help me?


jamie123 wrote:

Apply for the AMEX Zync. You should be approved if that is the only negative on your report.


Not sure AMEX would approve with 1 TL with less than a year history and a repo on file.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012

Re: Looking for a Credit Card...can you help me?

You may have to app for another secured card.  Do you happen to bank at a CU?  If not, you can try to get a secured card at BofA, Chase, or WFB.  Once you have 2 secured cards, you do as suggested above and try to get both credit lines over $1,000, then garden - use them and pay them in full,on time, every month for 6-12 months.  After that you should be eligible to either switch them to secured cards, and/or get approved for a better card.

 

Good luck.


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Valued Contributor
Burned2manybridgesB4
Posts: 1,405
Registered: ‎03-15-2012

Re: Looking for a Credit Card...can you help me?

LS's right. Get the limit up. Bigger numbers merit the same when it comes to new approvals. Nobody likes to be the latest issuer of the biggest number, but most will match/keep close.

Valued Contributor
Burned2manybridgesB4
Posts: 1,405
Registered: ‎03-15-2012

Re: Looking for a Credit Card...can you help me?

I'd be more concerned about that repo resulting in a judgement, since it's a contract, depending on your SOL/state of residence. Even if it falls off after CRTP, they might gun after you, if your fico goes any direction upwards, as they're typically notified by the CRA's.


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