11-05-2012 09:12 AM
11-05-2012 09:25 AM
I am interested in apping for more cards shortly but I want some advice on what to try for. I understand AMEX zync is no longer available?
I have -
CapOne secured - 250 limit - 10 months
CapOne unsecured - 750 limit - 7 months
DCU visa - 1000 limit - 6 months
DCU auto loan - 10,000 - 6 months - three year term already paid down to 6,000.
Perfect payment history and no negatives with about 5% usage. Thanks!!
what are your scores??? seems like you have limited history.... but maybe chase or discover..... chase is very good with recons....
11-05-2012 10:08 AM
My first instinct says go for Walmart.
You have a *chance* to get their Discover card but even if you just get the regular store card you get the free monthly FICO score.
I would wait on Chase.
They told me they're looking for 1 year before approval and they seem to be somewhat INQ sensitive.
Amazon Store Card is another option and AMEX Zync might be good for you.
Just *my* opinion of course
11-05-2012 01:13 PM
Discover More, Walmart Discover, or Amex Charge
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.