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You need to max out all your credit cards.
Dont make no payment and ask for credit increase..........
if they don't grant it threat to closed until they do
App for Amex Blue Cash Prefer.....Call the backdoor if they denied and tell Amex you had Credit One with $299 CL and why would they turn you down !!!!!! LMao........just kidding.
I think you need to paid down all your debt and be responsible with it OP.
You would had more change get approved with higher limit.
85 % Utili with 585 mean 95% denied or 300 Limit.
Less than 9% Utili a boost in credit score will get you somewhere around 1000 or less so YOU PICK YOUR CHOICE .......and good luck.........
Hi OP,
I started out with Orchard secured since I had a charged off account for a significant amount, and they were basically the only ones who would approve me for anything.
Since you already have Capital one, there aren't many other viable (nor "good") suggestions out there given your current situation. With all due respect, just stick with the cards you have now and save yourself the risk of further trouble. Even if you did apply for other cards, you will likely get declined, have HP's added, and be even more frustrated watching your score plummet becuase of inquiries. I know some people have been hard on you, but most of us are not here to bash you. We are here to give advice as you requested.
The capital one card may not grow like the others will, but at this point, that is not what is important. Companies need to know that you are worthy of credit, and the only way to do that is for you to prove it. Pay at least the minimum on time for a few months on your current cards (AT LEAST...maybe even a year), then you will be in a better position to apply for more
Do not be discouraged by any negativity you see on here. Most of the posters are here becuase they needed advice at one point as well, and if you have some patience and practice diligence, these issues will all be a distant memory.
OP, you do not need any more credit extended to you. You need to work with what you have until your scores improve. Your issues stem from over utilization of your existing credit. Obtaining new credit will not improve your scores if you are going to have a derog posted on it. Work with the creditor to GW that derog off and pay down the rest of your debt until under 10%. Request CLIs on those that you can and reduce the amount of effort you are in seeking new lines of credit. You are a very high risk to lenders at this time.
You seem to already have the usual suspects, i mean usual cards for those with lower scores.
if you have a local credit union, you might inquire with them to see if they have anything offer.
Unfortunately, with the lower scores and the looming late hitting your CR, I don't have any other suggestions for new credit.
@CruzImperial wrote:
Cmon give the OP a break. He's trying to acquire more credit before the cca maks his reports and you all are bashing it on him instead of giving him a hand. He has high util so what. From where I see it, that's the only thing hurting his scores right now and no one is suggesting options for that. Why don't we try to name one of the few creditors able to grant him a credit card in his current situation instead of keep brining him down.
If I knew who would accept you with such high util and low scores, I would have told you but let's just hope for someone with the right info to chime in and maybe you are able to recon it and get approved before the late payment appears.
He needs to pay that down, that's what. Shuffiling his balance around would do the trick, but the fact still stands he's not taking care of what he has already. We're here to help people manage their credit responsibly not get themselves into a deeper hole. Credit is a priviledge, not a right.
@Omaplatypus wrote:
@CruzImperial wrote:
Cmon give the OP a break. He's trying to acquire more credit before the cca maks his reports and you all are bashing it on him instead of giving him a hand. He has high util so what. From where I see it, that's the only thing hurting his scores right now and no one is suggesting options for that. Why don't we try to name one of the few creditors able to grant him a credit card in his current situation instead of keep brining him down.
If I knew who would accept you with such high util and low scores, I would have told you but let's just hope for someone with the right info to chime in and maybe you are able to recon it and get approved before the late payment appears.He needs to pay that down, that's what. Shuffiling his balance around would do the trick, but the fact still stands he's not taking care of what he has already. We're here to help people manage their credit responsibly not get themselves into a deeper hole. Credit is a priviledge, not a right.
Yes, but the fourth, fifth, sixth, etc. repetitive posts don't really add anything to the discussion.
The truth hurts!
@injustifiiable wrote:The truth hurts!
*When delivered harshly and without tact. We can all weigh in and give useful advice without being jerks or sarcastic! Not too much to ask.