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In general, around what credit score would you say that you are likely entering into prime land? The answer is probably YMMV since it depends on what's on your CR and also what cards are considered prime, but if you had to guess a score, what would it be?
Based on my last score of 624, I'm going to assume the answer is higher than 624. :-)
You are right, though, in that it depends on the individual CR. It might also depend on what you consider "prime"
For me it was somewhere between 680 and 700.
Id say 700 is a good spot, though above 685 seems to open doors...Of course YMMV, as you said. And I'm sure there are people with much lower scores that have been approved and much higher that have been rejected.
I think you are starting to see a trend here as in YMMV but 680 or so is a good starting point from a score standpoint only.
@Swapmeet wrote:Id say 700 is a good spot, though above 685 seems to open doors...Of course YMMV, as you said. And I'm sure there are people with much lower scores that have been approved and much higher that have been rejected.
+1.
Credit score is just one of the many things lenders look at as well. Don't stress out too much over that number.
I would also echo the 680 sentiment but I would add that you can find quite a bit of success in reconsideration, provided you are not trying to just perpetuate bad habits and want to start relationships with other lenders. I went from one lender in my wallet (C1) to a total of eight different ones now even including an AMEX Corporate Card. Just my two cents
JP
+100
I was approved for a Chase Freedom after recon at 692 (not that it is a "prime" card but a prime lender).
Low 700's with a perfect recent history will get you an Amex or two.