01-01-2013 05:38 PM
656 TU and 664 Equifax scores. Would I have a shot at getting approved for a charge card? Don't think I would get approved for a revolver yet. Utility is at 35 percent would love to get foot in door with them
01-01-2013 05:41 PM - edited 01-01-2013 05:42 PM
honestly probably not.
with the 30% util is hurting your chances.
get that down to under 10 and only 1 card reporting and you will be good for a charge card imo.
what do the rest of your reports look like? any baddies?
p.s. it doesn't really matter when you app for it now since as long as you get a 2013 date! (for backdating purposes)
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |
01-01-2013 06:00 PM
They util is going to kill you, but if you were going to get approved for something, it would be the green.
01-01-2013 06:04 PM
Yep Amex Green is your option for now....
01-01-2013 09:10 PM
+1 to the Green. Just got approved for Green yesterday...my utiliztion was about 26%.
01-02-2013 04:10 AM
Sorry for the aside, but what's the difficulty of getting approved for a AMEX Blue Cash Preferred compared to the Green? Thanks!
01-02-2013 04:20 AM
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