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Regular Contributor
Posts: 200
Registered: ‎06-19-2008
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What card do I have a shot at?

[ Edited ]

I'm thinking about apping for a new cc after my BoA card goes unsecured.My TU Fico is 667 and EQ Fico is 618. Here is what my reports looks like:

 

Bank of America Secured- 9 months old - $300 limit - paid as agreed

 

Capital One - 12 months old - $750 limit - paid as agreed

 

Orchard Bank - 12 months old - $300 limit - paid as agreed

 

Crown Jeweler's - 12 months old - $2,500 limit - paid as agreed

 

Each report has an average of about 8 inquiries all over a year old. (No inquiries in the last 12 months.) No baddies exept the short credit history and inqueries. 

 

Utill is about %90Smiley Surprised (not counting the Crown jeweler's TL). I plan on paying that down below %5.

Message Edited by Justn on 06-10-2009 07:09 PM

Starting Score: 702
Current Score: 728
Goal Score: 760


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Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
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Re: What card do I have a shot at?


Justn wrote:

I'm thinking about apping for a new cc after my BoA card goes unsecured. I don't know my scores yet because I got locked out for some reason. Here is what my reports looks like:

 

Bank of America Secured- 9 months old - $300 limit - paid as agreed

 

Capital One - 12 months old - $750 limit - paid as agreed

 

Orchard Bank - 12 months old - $300 limit - paid as agreed

 

Crown Jeweler's - 12 months old - $2,500 limit - paid as agreed

 

Each report has an average of about 8 inquiries all over a year old. (No inquiries in the last 12 months.) No baddies exept the short credit history and inqueries. 

 

Utill is about %90Smiley Surprised (not counting the Crown jeweler's TL). I plan on paying that down below %5 before apping.

 

I will report back when I am able to check my scores. Any advice is greatly appreciated!Smiley Happy

Message Edited by Justn on 06-08-2009 01:41 AM

Utilization 90%? Get it under 9. 

Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: What card do I have a shot at?

Check out www.whogavemecredit.com.  Also which ever is your best score, check to see which CCCs pull; from them.

 

I would look at a GEMB product.  Sams is very usefull to me and peharps a gas card.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Regular Contributor
Posts: 200
Registered: ‎06-19-2008
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Re: What card do I have a shot at?

[ Edited ]

OK. Here is what I came up with.

 

Walmart / GEMB

Kohls / Chase

Chevron

 

I'm mostly worried about the short credit history. Will that be a problem for these cards.

Message Edited by Justn on 06-09-2009 09:46 PM

Starting Score: 702
Current Score: 728
Goal Score: 760


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Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
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Re: What card do I have a shot at?

Walmart is a decent choice. 
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Regular Contributor
Posts: 200
Registered: ‎06-19-2008
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Re: What card do I have a shot at?

Just checked my TU score and it is 667. And according to the Fico simulator when I pay down my balances it will be between 687 and 727.


Starting Score: 702
Current Score: 728
Goal Score: 760


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