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New Credit, Which Card?

Established Member

New Credit, Which Card?

I really want a Bank of America Card but I see they don't have a pre approval link anymore and I'm not sure which of their cards would actually fit my situation, not a huge fan of wasting an inquirie to find out my credit still is not high enough.


With the information below, does anyone have any advice for a card that would grow with me, more so hoping for a card with a limit $1000 or above as most of mine are $350 - 1000 now.  All input is appreciated Smiley Happy




Okay so quick background:


I'm 24, received 2 credit cards at 18 for $1000 limits each and then a third $2000 limit the next year, had great credit until 2007 where being a college student took me down the bad credit path. The last year and a half I have managed to come up from some terrible scores and this month I decided to go a little more forward and establish some sound credit that I am happy to have. This last week I've applied for and received:


Bestbuy Reward Zone MC

Wal Mart CC

Capital One Cash Rewards 0% APR


I already have:


JC Penney $1000 limit    (2005)

Orchard Bank $350 Limit      (2009)

First Premier (Centennial Bank) $250 limit   (2009)

Ford Credit Auto Loan   $20,000      (2010)

Student Loans Various Banks  $33,000


Unfortunately, I do still have a judgment from 2008 which I am working to have vacated (I work for a prosecutor), 1 collection (paid), and 3 CO's from 2007 paid.


My scores are TU 620  EX 626 EQ 620


Not amazing but like I said, I turned those around in roughly a years time having a lot removed from my reports thanks to this forum.



Message 1 of 6
Moderator Emeritus

Re: New Credit, Which Card?

Hi miguy,


Looks like you've been busy.

First question is where are you pulling your scores from?

Just puttin' syrup on something, don't make it pancakes.
Message 2 of 6
Established Member

Re: New Credit, Which Card?

TU and EQ are Fico scores


EX is from the service my credit card offers which allows regular pulls so, a FAKO score.

Message 3 of 6
New Contributor

Re: New Credit, Which Card?

Are you still in school?


I'd recommend finding a credit union to work with.  If they trust you with a decent limit for a while, then a bank may do the same.

Message 4 of 6
Established Member

Re: New Credit, Which Card?

Thank you, I was actually considering the credit union where I'm from since they are advertising 7.9% for their card right now.


I graduate next month and then I'll be in law school in the fall, another reason I was looking around was to establish a relationship with a bank or credit union so that I could have financing options for my law school loans.


I was working until the company I was with severenced me out so technically I am in school but I also have a fixed income.

Message 5 of 6
Senior Contributor

Re: New Credit, Which Card?

Bank of America has a MyOffers Center.  When I am on my Accounts Overview page, there is a link partway down that says View your Special Offers.  I think the link is also available from the Customer Service Tab.  Whenever I click on it, the offers appear to be very generic even though it claims that the offers are "Just for You."  It tells me to add a credit card to take advantage of Add It Up, but it doesn't look like a preapproved offer.  Until very recently, I was carrying a fairly large balance on a closed card, so I have always assumed I wouldn't have any preapprovals from them anyway.  Perhaps others can speak to whether the Offers Center includes preapprovals.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge
Message 6 of 6