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What card do I have a shot at?

Regular Contributor

What card do I have a shot at?

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


Take the FICO Fitness Challenge
Message 1 of 6
5 REPLIES
Senior Contributor

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. 

Message 2 of 6
Super Contributor

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.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Message 3 of 6
Regular Contributor

Re: What card do I have a shot at?

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


Take the FICO Fitness Challenge
Message 4 of 6
Senior Contributor

Re: What card do I have a shot at?

Walmart is a decent choice. 
Message 5 of 6
Regular Contributor

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


Take the FICO Fitness Challenge
Message 6 of 6