What score is needed for "Primecards" . Yes i know what is in the report will be a big part of this factor also . But im just looking for a FICO score range where people feel comfortable useing INQs on such cards .
PS, im gardening atm but would like to know anyway 
@Trigga wrote:What score is needed for "Primecards" . Yes i know what is in the report will be a big part of this factor also . But im just looking for a FICO score range where people feel comfortable useing INQs on such cards .
PS, im gardening atm but would like to know anyway
I have to say the question is too broad and lack of credit history info is going to be difficult to answer...please specify which Prime Cards you are interested in and shed some light on your history plus how many INQ you have on each bureau so that myself and other members can share and relate to your situation 
It really varies by card and company...generally, I think you're going to need high 600s at the bare minimum, but really you're likely going to need scores in the 700s to get some of the really desirable cards.
Yes i realize it varies stupid question i suppose 
But anyway i have a 30 day late 2years ago and also have 1 CO that i sent a PFD for didnt hear anything back yet .
Also my AAoA is almost 1 year oldest CC is 3yrs 8 months old
@Trigga wrote:Yes i realize it varies stupid question i suppose
But anyway i have a 30 day late 2years ago and also have 1 CO that i sent a PFD for didnt hear anything back yet .
Also my AAoA is almost 1 year oldest CC is 3yrs 8 months old
Just so you'll know that for scoring there is no AAoA less than a year. That is built into the system.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@Trigga wrote:Yes i realize it varies stupid question i suppose
But anyway i have a 30 day late 2years ago and also have 1 CO that i sent a PFD for didnt hear anything back yet .
Also my AAoA is almost 1 year oldest CC is 3yrs 8 months old
No the question is not stupid...I just want you to be able to get realistic answers from your peers
For general purposes though I'd say you need at least 700 score to qualify for some prime cards...the higher the better chance of approval and better terms
What prime cards or lenders are you interested in?
@Anonymous wrote:
@Trigga wrote:Yes i realize it varies stupid question i suppose
But anyway i have a 30 day late 2years ago and also have 1 CO that i sent a PFD for didnt hear anything back yet .
Also my AAoA is almost 1 year oldest CC is 3yrs 8 months old
No the question is not stupid...I just want you to be able to get realistic answers from your peers
For general purposes though I'd say you need at least 700 score to qualify for some prime cards...the higher the better chance of approval and better terms
What prime cards or lenders are you interested in?
Chase Freedom or something similar , but i have a ways to go .
Assuming someone has a few subprime cards, is doing everything right after a period of badness and has a gradually rising score, it might go like this:
@Trigga wrote:Yes i realize it varies stupid question i suppose
But anyway i have a 30 day late 2years ago and also have 1 CO that i sent a PFD for didnt hear anything back yet .
Also my AAoA is almost 1 year oldest CC is 3yrs 8 months old
<650, wasting time and inquiries
650-680, instant approval rare, but maybe via recon with a good story
680-700, decent chance with "relationship" prime cards like usaa, nfcu, local cu
700-720, chances are pretty good, chance of recon excellent with the right card
>720, rejection rare, assuming decent income/dti
>760, rejection rare enough to be newsworthy on this forum