Whats a good card to apply for?

[kobebean8]

Looking to add a revolving account other than my Fingerhut & auto loan. I currently have 7 late payments from last year reporting on my Credit reports, I havent had a late payment in over a year. My score according to lending club is 633. My limit on fingerhut is 850 of which 210 is reporting. Any advice?

[JSS3]

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@kobebean8 wrote:

Looking to add a revolving account other than my Fingerhut & auto loan. I currently have 7 late payments from last year reporting on my Credit reports, I havent had a late payment in over a year. My score according to lending club is 633. My limit on fingerhut is 850 of which 210 is reporting. Any advice?

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Cap 1.

[JediNeo]

Your seven late payments in a year isn't going to help. You might have to look into secure cards. Have you tried a local credit Union?

[coldnmn]

The best thing for you to do is go to the rebuilding forum and see what you can do about your lates. The chances of getting any cards are slim until the lates age more. You could try getting a secured card from BoA that will unsecure after a year.

[-Wade-]

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@kobebean8 wrote:

Looking to add a revolving account other than my Fingerhut & auto loan. I currently have 7 late payments from last year reporting on my Credit reports, I havent had a late payment in over a year. My score according to lending club is 633. My limit on fingerhut is 850 of which 210 is reporting. Any advice?

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with the lates it will be hard to get any card other than the sub- prime cards

[Josh2942]

With those lates your score really does not matter because they are so recent. Just pay those finger hut purchases

[fot1]

You're probably not gonna get a "good" card right now..  Best bet would be to get another card to help you rebuilkd and then next year be in a spot for a good card next year or so.. Secured cards are good if you have the chunk of money to put down... if not then CAP 1 has a steps program that isn't terrible, Credit unions would be another spot to check.. Past that you can look at dept store cards which tend to be easier to get then look at the  Credit one/ first Premerie cards. Those cards get dumped on a lot on this boards but if you use them  just to rebuild and not actuall charge on they are ok..

[Creditaddict]

Check capital one pre-qual and see if you get offer for unsecured.

[yudeology101]

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@Creditaddict wrote:

Check capital one pre-qual and see if you get offer for unsecured.

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+1

[azguy13]

Capital One Platinum may be your best route to go. I would stay away from CreditOne if you can.