No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi All -
This board has been so valuable in helping me claw my way to a better credit score - I thought I'd ask you guys your opinion on my next move. I started a few years ago with credit scores in the high 400-low 500 range. As of today, my credit scores are EQ 692 TU 680 EX 685. I have no mortgage, no car note, and $72k/year in income. My student loan current balance is $7800, payoff in 12/2018. I have an unsecured loan of $20K opened with my bank in 7/2016, balance is $18K (5 yr note). When I began trying to rebuild my credit, I got a First Progress Secured MC with a CL of $300 in 4/2015. I charge a few things each month (gas/groceries), and pay the balance in full each time. I just apped to Capital One in March and got approved for a Cap One Platinum card with a CL of $3k. I charged about $600 in purchases for the first billing cycle and paid the balance in full for my first payment a couple of weeks ago. I've got 3 inquiries total - Cap One hard pulled all 3 credit bureaus, and my bank pulled one inquiry on EX for the unsecured loan last year. My last late payment on anything was the student loan in 12/2014. My question is this - I'd like to get another credit card to continue my rebuilding efforts, but haven't looked into any rewards cards, as I don't think my scores are high enough. I'd like to look into a Discover or an Amex, or even another MC or Visa, but just not sure what I could qualify for. Any thoughts you guys have would be most appreciated! Thx
I have no experience with Discover, but I do have Amex. Your score is similar to mine and I have a Bk that was discharged last September. I was approved for 2 Amex cards last month. The first had a SL of $1000, second SL $6000. My sister also has a lower score than yours and a more recent late pay and was approved for the BCE 2 weeks ago with a SL of $1800.
Hope this helps!
Yes! That does help - what 2 Amex cards did you get approved for?