Reply
Frequent Contributor
money_talks
Posts: 261
Registered: ‎07-02-2013
0

What score do you need for prime cards?

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?

Senior Contributor
SunriseEarth
Posts: 4,049
Registered: ‎08-12-2013
0

Re: What score do you need for prime cards?

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"


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 10/6/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | Walmart Store $5000 | AMEX BCE $4500 | Cap 1 QS1 $4000 | JCP $3900 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | Sony Card $2500 | Amazon Store $1800 | Citi DC WMC $1200 | Macy's Revolving $1200 | Merrick $1200 | Target $1000 | VS $850 | Gold Violin $850 ~~Gardening Since 8/28/14
Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
0

Re: What score do you need for prime cards?

For me it was somewhere between 680 and 700.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: What score do you need for prime cards?

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.



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
Frequent Contributor
Blackrv7
Posts: 399
Registered: ‎11-13-2013
0

Re: What score do you need for prime cards?

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.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Super Contributor
enharu
Posts: 6,962
Registered: ‎02-27-2013
0

Re: What score do you need for prime cards?


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.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Regular Contributor
SpeeDj
Posts: 148
Registered: ‎07-19-2012
0

Re: What score do you need for prime cards?

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


TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

Take the myFICO Fitness Challenge
Frequent Contributor
Strepthroat
Posts: 260
Registered: ‎06-13-2008
0

Re: What score do you need for prime cards?

+100

Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
Valued Contributor
Involver
Posts: 1,225
Registered: ‎07-16-2013
0

Re: What score do you need for prime cards?

[ Edited ]

I was approved for a Chase Freedom after recon at 692 (not that it is a "prime" card but a prime lender).

Cash+ | CSP | Double Cash | Fidelity AMEX | BCE | Hhonors | PRG | FNBO AMEX | Sallie Mae | NASA Cash Rewards | Penfed Promise
Established Member
cyclesport45
Posts: 30
Registered: ‎01-19-2013
0

Re: What score do you need for prime cards?

Low 700's with a perfect recent history will get you an Amex or two.  :smileyhappy:

Divorce. 9 years of Gardening. RESET BUTTON. December 2012; Chase Freedom(4.2K), Citi Diamond Preferred(2.9K), Chase Amazon(1.6K), Citi Thank You Preferred(4.5K). January 2013; DCU Platinum Rewards(5K), REI Visa(5K). November 2013, Amex Blue Sky(15K), Amex Blue Cash Preferred (5K), Crate & Barrel (1.5K)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}