Score of 611- which card

[Chance05]

What would be my best bet to get approved for a credit card with a score of 611?  I was looking at Capitol one but heard that discover is a better choice with a lower score?

[killer_queen229]

Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards. 

[PlasticOrPlastic]

Depending on the rest of your history you might not get the Discover.  I apped at around a 640 and was denied, tried again in the 660's and got it.  YMMV here.

[Chance05]

I don't have much of a history. Never had a credit card...I'm just now trying to build up my credit. 

[baller4life]

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@killer_queen229 wrote:

Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards. 

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+1

Bank of America has a great secured card that graduates. Try not to waste inquiries right now with your score being on the low end. 

[killer_queen229]

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@baller4life wrote:

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@killer_queen229 wrote:

Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards. 

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+1

Bank of America has a great secured card that graduates. Try not to waste inquiries right now with your score being on the low end. 

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  Couldn't even get a Discover card after having my secured card for 4 months. 

[Creditaddict]

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@Chance05 wrote:

What would be my best bet to get approved for a credit card with a score of 611?  I was looking at Capitol one but heard that discover is a better choice with a lower score?

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If you have no credit cards, what is on your report to give you the score?

from where did you get the score?

[PlasticOrPlastic]

I'd try for a Capital One unsecured personally.  They have a rewards card for building credit, it gives you an auto CLI after 6 months of ontime payments.  It was a decent card when I was trying to rebuild credit.  If you don't get it you can always recon thru Cap1 EO and more than likely get something (even $500 isn't a bad start).  Its worth a try, and while your at it maybe run your info through a few pre-qualified websites (discover, cap1, Barclay, chase, citi).  Obviously some of them wont have anything just yet but it'll give you an idea of where you're at. 

[Chance05]

I checked credit karma for my score. I have student loans and a car payment on my credit. 

[Chance05]

I just got approved for a Capitol One card!  I have a new question... If I add my husband as a authorized user will the credit card be reported to his credit as well?