What credit cards would I have the best chance of getting approved for?

[cbarret2]

myFICO gave a range of 688 - 728 within the next year and a range of 728 - 768 in the next two years. This is just Equifax. Experian and TransUnion tend to be slighly higher in my case.

Current score: 608 (EQ)

Oldest account: 1 year, 6 months.

AAoA: 8 months.

Future score: 688 - 728 (1 year later)

Oldest account: 2 years, 6 months.

AAoA: 1 year, 2 months.

Future score: 728 - 768 (2 years later)

Oldest account: 3 years, 6 months.

AAoA: 1 year, 8 months.

[scorpio_queen02]

You would probably be approved for some of the comenity cards. Try the shopping cart trick.

[CashOnDelivery]

Provide some more info such as Util, type of accounts, any past negative history, DTI, etc. As it looks right now, it's hard to tell with just your score alone and it's low.

[cbarret2]

UTIL: 23%

Lots of inquiries (21).

No missed payments.

No baddies.

About $18,000 in student loans. Income: $60,000.

About $1,800 in consumer debt. Paying in full by the end of July.

[Creditaddict]

What has your EQ so low currently with no baddies?

What are they basing your score increases on? I don't tend to like the projecting models for future credit scores.

[cbarret2]

Well, I did open a lot of accounts recently. Could that do it?

[Creditaddict]

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@cbarret2 wrote:

Well, I did open a lot of accounts recently. Could that do it?

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could be...

What have you opened?

Why do you want to apply for anymore if that is the case?

[cbarret2]

I applied for BOA, Capital One, CareCredit, and Wal-Mart within the last 6 months and was approved. I want at least one high limit rewards VISA or MasterCard like the Capital One Quicksilver. I'd be satisfied with that for a while. I'm going to garden for it for a year or two. Just until I can get the Quicksilver.

[mariasoccermom11]

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@cbarret2 wrote:

I applied for BOA, Capital One, CareCredit, and Wal-Mart within the last 6 months and was approved. I want at least one high limit rewards VISA or MasterCard like the Capital One Quicksilver. I'd be satisfied with that for a while. I'm going to garden for it for a year or two. Just until I can get the Quicksilver.

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well u would defintely get the quicksilver go for it!!!!