cancel
Showing results for 
Search instead for 
Did you mean: 

Opinions wanted

tag
belvictoria
New Contributor

Opinions wanted

Hi all,

 

I have been rebuilding my credit and it has paid off..my credit is looking pretty good with no collections, no judgments, the only negative thing that I have left is some 90 day lates on my student loans back in 2009.

 

I currently have a ($200) secured card from capital one that I would like to get rid of. I was thinking of getting it replaced with another Capital One card The Quicksilver Visa

 

But I don't want to waste a hard pull for not reason, so I want to check with you guys before I apply to see how likely you think I am to get approved.

 

My oldest account is 10 years

My AAoA is 4 years

I recently opened a Discover, Nordstrom (this month) and Victoria's Secret card (back in May).

My credit scores as of July 14th Eq 687 Ex 667 and as of today TU 703 (this report includes my new UTL that I got down to 2% and my new line of credit with Discover).

 

Oh and I applied for the Citi TYP card but was denied because of the lates on my student loans and because an old collection agency HP my credit a while back Smiley Sad

Or if anybody has any other recommendations I would be interested to hear them. Thank you in advance!

 

 


EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
Message 1 of 4
3 REPLIES 3
xsvspd
Regular Contributor

Re: Opinions wanted

Really it depends on what you're looking for in a card. Those scores should get you some cards, depending on what your util is like, and your inq.

 

Are you pre-qualified for QS? Here's a link to check...

 

https://findmycard.capitalone.com/PageVersions/LandingPages/LP_QUICK_V01.aspx

Hover over card to see limits

Starting score 3/2013 - 585. Score as of 5/2014 - 725.
Message 2 of 4
belvictoria
New Contributor

Re: Opinions wanted

Thanks for the reply..I tried their preapproval site but no cards came up for me....maybe I'll just give it a try what the heck! Smiley Very Happy

 


EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
Message 3 of 4
Anonymous
Not applicable

Re: Opinions wanted

NFCU!!! Smiley Very Happy

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.