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What card can a 540 score get

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Re: What card can a 540 score get

Their's not too many but I'll research for ya:smileyhappy:
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Re: What card can a 540 score get

Maybe a B of A 99/500 card, but other than that I'd do a secured card and pay on time for a year and let it graduate.
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Re: What card can a 540 score get

[ Edited ]
Ok I got a list of some cards you might be able to get
 
 
Home Depot
Target
Chevron
Capital One
Macy's
Walmart
Dillard's
Crown Jewelers
Credit One Bank
JC PENNEY
Kays Jewelers
Chase Visa Platinum
Key Bank
 
Good luck:smileywink:


Message Edited by alaskan_assassin_07 on 03-15-2008 01:07 PM
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Re: What card can a 540 score get

It would really depend what baddies you have now, how old they are, and what CCs you have already.
 
I'd save for a secured card somewhere if you don't have any cards. Focus also on cleaning up your reports. If you took a week and really hammered your reports, your scores would be in the 600 range before summer.
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Re: What card can a 540 score get

I have student loan baddies, 4 open credit card currently (4x300 CL) all with 0.00 balances. 2x30 days lates that are about 6 months old.
Try not to become a man of success but rather to become a man of value
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Re: What card can a 540 score get



ngerasimatos wrote:
I have student loan baddies, 4 open credit card currently (4x300 CL) all with 0.00 balances. 2x30 days lates that are about 6 months old.



The recent lates are going to make it tough. Can you hold off until they go over one year? Otherwise, I would suggest a fully-secured card from a CU, which will give you an in for other products as well.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: What card can a 540 score get

I know you are working on the baddies.
 
You already have the card history, you are just stuck with low limits. I'd try for CLIs if you can. If not, and you still want a card, then I'd try a secured card with a higher limit ($750 - $1000 +)
 
If you keep applying, assuming you get that card, you have several thing that may go against you: 1) more inquiries, 2) likelihood of more $300 limits, 3) decreasing history, and 4) when your scores improve down the road, you'll be in worse shape to app for better cards. I mention all of this from experience anyway. I'm stuck with $300-$600 limits. On top of that, because of the newness of my credit, even with quasi-OK scores, I have been likely turned down for 4 card out of my last 4 apps (Citi, JCPennys, CCCU, and Penfed).
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Re: What card can a 540 score get

and as Syl says so well- Never be late again-
 
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Re: What card can a 540 score get

I like the site I found on here www.whogavemecredit.com and I looked at all the cards people were denied or approved for and was my final draw to try for orchard and I was approved from Orchard. Also recently on here just found out about the crown jewelers card where they don't check your credit and they have a rebuilding program
 
Good Luck
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
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