Should I get another card?

[sleepless619]

I've had a Cap1 secured card for going on 5 months and I just had a collection fall off of my reports, which shot up my score to the 650's. I still have some late payments and a charge off all from going on four years ago. I'm not preapproved for any other cap1 cards, but I am preapproved for a Credit One Visa. I'm also an AU on two other accounts (both pretty new). I really would like to get the Barclaycard Rewards Mastercard (for average credit), but I'm not sure if I should try. Or should I get the Credit One?

[Creditaddict]

I would apply for the Barclay.

they are great recon also.

check discover pre-qual also.

3rd id appky for quicksilver one and email ceo if you need to or try thst firdt with unsecuring current card.

[Anthonykc]

Edited

[Dustink]

My initial response from just reading the title was "no, go to bed."

But, in your case I think you need to expand your credit file. Once you hit the 6 month mark I would app for a few cards.

[djc1puno]

Id wait til you hit the 6th month mark and let ur scores update then hit up barclay, disco then capone.

[Creditaddict]

++1

[DreaIYIs]

I just apply for a barclay average card and was approve for a $1300 cl my highest limit i thought if i was approve it will be just for $500 i was shock because im still in early stages of rebuilding. They pulled tu my score from the cb was 675 and my fico tu score was anywhere from 595-628, tu takes forever to update stuff seem like they two months behind with updating stuff.  Report have one collection from midland and about 8 lates in 2012 aaoa 2.10 years

[sleepless619]

Well, I checked my score on CK today and it jumped 14 points, so I decided to go ahead and apply. I was approved for a $500 CL with no annual fee!

I'm wondering wondering what I should do now though w/ Cap1. Do I call them and try to change the card, close the card and apply for an unsecured, or apply first then close? I wouldn't mind getting my $50 back and getting a higher limit than $200.

[BearsAndTurtlesRtheBest]

Congrats!! Your doing great!

[09Lexie]

Congrats on your approval. Cap 1 will not do a PC for a secured to unsecured. There is no guarantee that they will approve you for an unsecured card just because Barclays did...why not let your accts age 6 ms and then rethink apping.