09-26-2012 07:02 PM
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.
09-26-2012 07:09 PM
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO