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Newbie. Advice needed.

Mega Contributor

Re: Newbie. Advice needed.


jsucool76 wrote:

Objectivist wrote:

6 HPS?


3 for the visa, 3 for the MC

 

When you apply for any cap1 product, they HP Experian, Equifax, and TransUnion. 

 

So now you'll have 2 on each report just from cap1. 


I would steer clear from Cap1 after this OP. Hopefully a call in to them will net you a card but i'd give BofA secured some thought.

 




EQ FICO 548 3/3/16
Message 11 of 13
Valued Member

Re: Newbie. Advice needed.

Even though I already have an unsecured BofA card?
Message 12 of 13
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Mega Contributor

Re: Newbie. Advice needed.


Objectivist wrote:
Even though I already have an unsecured BofA card?

That is stuck @ $200. They're more likely to approve for secured and you up the deposit over the course of a year.

 

You know what, i'm not sure if theyre still doing this but last May I apped for a BofA unsecured and they countered my with a secured card. Go to a branch and see if they still do that.

 

That way your not wasting a HP you should get either or.

 




EQ FICO 548 3/3/16
Message 13 of 13