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What's Next

Valued Member

What's Next

Thank You so much Fico Friends. When I first began my fico was 509 now it is 648. Heading for the 700 club... My question is what time of CC am I likely to get approved for?

 

 I have a secured card 300 limit $0 balance via my credit union. Store card $300 limit $64 balance paying it off next month. A car loan through my credit union which is current never late $16k balance. I have some student loan which shows paids as agreed currently in school. 1 paid medical collection and 1 sprint paid collection.

 

What are my chances.. with a visa or gas card thinking about BP.

 

Thanks

 

Message 1 of 10
9 REPLIES
Contributor

Re: What's Next

With your scores and situation it sounds like the Hooters Mastercard would be right for you.

 

Here is a link to their site;

 

http://www.hooterscard.com/menu/home.aspx

02/14/2009 EQ 797, EX 811, TU 805
Message 2 of 10
Valued Member

Re: What's Next

Thanks. I will apply and let you guys know the results. Fico friends are the best!!!
Message 3 of 10
Valued Member

Re: What's Next

Sadly to say I was declined. So this may decrease my fico of 648 huh? Is there any recourse or suggestions. Wondering if I would have better luck trying @ my credit union for an unsecured?

 

Message 4 of 10
Established Contributor

Re: What's Next

How long have you had your CU card in good standing/reporting?

How old are the paid off accounts? (Have you tried GW letters to get those removed?)

 

Message 5 of 10
New Contributor

Re: What's Next

your student loans say that you're in school?  apply for a student card....they're easy to get!
Message 6 of 10
Established Contributor

Re: What's Next

Does anyone know which CRA does Hooters pull?

Starting Score: TU:537
Current Score: TU:683 (3/11/10)
Goal Score: TU:740


Take the FICO Fitness Challenge
Message 7 of 10
Valued Contributor

Re: What's Next


boosie1979 wrote:

 

What are my chances.. with a visa or gas card thinking about BP.

 

Thanks

 


I was approved last year for a BP Store card, funny thing is was actually declined online, didnt think anything else about it, then i received the card in the mail about week later. My scores were lower than yours, i didnt have any derogatory accounts only an unpaid Med collection. They approved me with a limit of $2000! YMMV!

 

II say go for it! Good Luck!


I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 8 of 10
Valued Member

Re: What's Next

Hi Guys,

 

Two day in a row denials. First from Hooters and Discover Student. I'm wondering how this will affect my score of 648. Should I even try with my Credit Union. I have had the secured card for a yr now.

 

thanks

Message 9 of 10
Valued Member

Re: What's Next

Thanks Guys for all your help. I received a unsecured Visa via my credit union. The limit is $1500 6.50% I think. I have all that I really need for right now. Car Loan via credit union, secured and unsecured card and a department store card.

 

Thanks Fico Friends

Message 10 of 10