Where did you obtain the 640 score? Is that a FICO, or a FAKO? If it's a TU FICO, possibly a Barclay Rewards MC or a few different Synchrony store cards like Walmart, Amazon.com, JCPenny. I'll also toss in some friendly advice. Don't run out and start app'ing for the sake of, "you might qualify". I'll give you my own personal short story. I was sent a mailer from Walmart. Applied and got a store card, a day later, Cap 1 came calling with a Quicksilver 1. Then Discover sent a pre qualified mailer. I got the approval bug and wound up 4 or 5 cards with toy limits and 3 store cards. Sounds good so far. But, my goal was to get in with Chase since I already bank there. Chase has a rule that you can't get one of their cards if you have 5 new accounts or more in the past 24 months. You may not even give a rats hootie about Chase, but it's still a good reminder to set goals and have a plan. Research and think about the card or type of card that you want, that firs your needs. Learn the typical data points required to get it. In the meantime, just cultivate the cards you have. Use them, pay them off on time, every time and in time you'll get credit limit increases. Work on the derogatory items on your report and try to get your reports clean. Before you know it, your scores improve, your limits increase and your ultimate goal is in reach. If I could do it all over again, I'd follow the sage advice of sticking with 3 starter cards and just build a solid base..
@Anonymous wrote:
My credit score is 640. I have a Capital One Platnium with a $1,300 credit line, Capital One QuicksilverOne with a $500 credit line, and a Discover It with a $1,500 credit line. I have one blemish on my report which it says is out for collections even though I made a payment agreement with hospital. My oldest credit card I got in April 2015. What unsecured cards am I more than likely to get accepted for? I travel a lot so I like to have different cards on me
