03-09-2013 08:51 AM
Is that your true FICO score of 690 or your EQ score?
What other TL's do you have? House? Car?
What credit cards do you currently have if any?
Are they secured or unsecured?
If you have any what are your limits?
03-09-2013 08:59 AM
This is Equifax score. FICO Score is 684. Two credit cards. One secured card with limit 1800 (Nov 2011) and One unsecured card limit 1700. Last card availed in July 2012. Utilisation limit 21%. Timely payment of full balance. No Mortgages, No Auto Loan. No Personal loans.
03-09-2013 09:04 AM - edited 03-09-2013 09:04 AM
Ok great... 1st thing I would do, (if you can) is get your UTL under 9% before you apply. This will allow you a better chance at approval and a higher starting credit limit.
So what are you wanting out of your card? Point rewards? Cash Rewards? Travel benefits?
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