09-05-2013 07:53 PM - edited 09-05-2013 07:59 PM
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?
09-05-2013 10:22 PM
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.
09-05-2013 11:29 PM - edited 09-05-2013 11:39 PM
09-05-2013 11:33 PM - edited 09-05-2013 11:33 PM
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.
09-06-2013 12:09 AM
09-06-2013 05:56 AM
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
09-08-2013 01:55 PM
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.
09-08-2013 02:04 PM
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