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What's the easiest credit card to get?

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jamesdwi
Valued Contributor

Re: What's the easiest credit card to get?

any card from Mom's savings and loan, mostly loan bank.... ;-p

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 21 of 30
Kostya1992
Established Contributor

Re: What's the easiest credit card to get?

From my experiance, Cap1 by far. Get their regular Platinum card. After about 3 statements, contact them via chat and have them PC to QS without the annual fee.

TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 22 of 30
creditFiend
Established Contributor

Re: What's the easiest credit card to get?


@FixMyCredit1992 wrote:

Update....

 

My Discover card statement cut 8/21, and my TU fico is 626. 30 day late is STILL reporting, so once it is (and hopefully) removed, my CS will be at least 660-675.

 

My current debt to credit limit is 20%, but I'm paying off stuff, so it should be under 12 percent in a few weeks.

 

TU INQ's are 10. EQ and EX is over 40 (from my idiotic app spree days).

 

So once the 30 day late falls off, I DO have a chance, I think, but only for cards that primarily pull TU.

 

Unless...are there ANY CCC's that pull EQ/EX and don't mind INQ's? 

 

I've heard before some CCC's don't deny only on INQ's so would like some info on that too.

 

 


Yes, if your 30 day late comes off, your score may increase; BUT you still have several inquiries across all three bureaus.  If you keep apping 'just because' it may cause AA from the current cards you're holding.  Work on building what you have.  When your current cards start receiving CLIs, then you'll know your headed in the right direction.  Until that time comes, be patient.

Last app: 2/21/2016
Amex PRG (NPSL)| Amex Hilton Surpass ($17.6K)| Barclays Arrival WEM ($13K)| Barclays SM ($11K)| Capital One QS ($15K)
CareCredit (15.6K)| Chase CSP ($12K)| Chase Hyatt ($5K)| Chase FU VS ($7K)| Chase Ritz ($16.7K)| Citi DC ($2.4K)
Discover It ($4K)| Lowe's ($17K)| MSUFCU ($5K)| Nasa FCU ($20K)| Navy Cash Rewards ($20K)| Navy CLOC ($15K)
PenFed Thrifty ($500)| USAA Rate Advantage ($7K)
Message 23 of 30
FixMyCredit1992
Established Contributor

Re: What's the easiest credit card to get?

Well I'm just looking at TU. I can't app AT ALL on EQ or EX, not for at least 6 months. 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 24 of 30
Kostya1992
Established Contributor

Re: What's the easiest credit card to get?


@FixMyCredit1992 wrote:

Well I'm just looking at TU. I can't app AT ALL on EQ or EX, not for at least 6 months. 


Cap1 Journey is your answer, they always pull TU. This card has 1% cashback plus an additional .25% if you pay your bill on time, so in essense its 1.25% cashback.. After 3 statements, contact them and PC to QS for the 1.5% cashback. Good luck.

 

Otherwise, garden.

TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 25 of 30
09Lexie
Moderator Emerita

Re: What's the easiest credit card to get?


@kostyan1992 wrote:

@FixMyCredit1992 wrote:

Well I'm just looking at TU. I can't app AT ALL on EQ or EX, not for at least 6 months. 


Cap1 Journey is your answer, they always pull TU. This card has 1% cashback plus an additional .25% if you pay your bill on time, so in essense its 1.25% cashback.. After 3 statements, contact them and PC to QS for the 1.5% cashback. Good luck.

 

Otherwise, garden.


Cap 1 pulls all 3 bureaus ( except their BuyPower Card) - true TU pullers are Barclays and most Synch bank cards.  However, as OP has a somewhat interesting profile and has been advised to wait on apps for the next 6 mos; I fear this advice will fall on deaf ears
Message 26 of 30
lg8302ch
Senior Contributor

Re: What's the easiest credit card to get?


@09Lexie wrote:

@kostyan1992 wrote:

@FixMyCredit1992 wrote:

Well I'm just looking at TU. I can't app AT ALL on EQ or EX, not for at least 6 months. 


Cap1 Journey is your answer, they always pull TU. This card has 1% cashback plus an additional .25% if you pay your bill on time, so in essense its 1.25% cashback.. After 3 statements, contact them and PC to QS for the 1.5% cashback. Good luck.

 

Otherwise, garden.


Cap 1 pulls all 3 bureaus ( except their BuyPowet Card) - true TU pullers are Barclays and most Synch bank cards.  However, as OP has a somewhat interesting profile and has been advised to wait on apps for the next 6 mos; I fear this advice will fall on deaf ears

Smiley Very Happy

Message 27 of 30
FixMyCredit1992
Established Contributor

Re: What's the easiest credit card to get?

Cap1 one is too scary anyway, and their recon process stinks. 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 28 of 30
lg8302ch
Senior Contributor

Re: What's the easiest credit card to get?


@FixMyCredit1992 wrote:

Cap1 one is too scary anyway, and their recon process stinks. 


???

For me Cap1 can perfectly keep up with my other cards... or I could even go a step further, is the lender with the BEST offers in terms of BTs  for me  Smiley Happy

Message 29 of 30
Swapmeet
Valued Contributor

Re: What's the easiest credit card to get?


@BluePoodle wrote:

You guys need to read this before you start giving OP advise on which cards to app for.

 

http://ficoforums.myfico.com/t5/Credit-Cards/I-m-giving-up-on-credit-cards/m-p/3110444#M875312


Hahaha....I remember reading that thread while it was going on. I don't think I ever replied--just kind of rolled my eyes and chuckled at the replies.

 

PS. Easiest TU pulling co branded/store card is WalMart mc 



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 30 of 30
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