Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 29
Registered: ‎02-21-2013
0

When should I apply?

My goal cards and last card apps for awhile will be Chase Citi Discover and Amex. Wont app all at the same time but I can hardly wait to see the APPROVED word again!! What are the score requirements for these cards? I got denied for Discover a couple weeks ago. They closed my last account awhile ago. Since then I have had two collections fall off only one left PAID and I have some missed payments with discover and BofA from 2009. I have been looking around and see that scores have to be in the upper 600's to lower 700's.My utilization is also below 15% I am doing the PIF every month with only one credit card with a $1000 balance but 4.5K CL. Any advice is appreciated I dont want to apply if my chances of denial are high I just cant wait to get back on with some of the bigger credit card companies. Also, scores below are current.


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: When should I apply?

Maybe first goodwill late payments and collection then maybe apply.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 27,675
Registered: ‎02-07-2013
0

Re: When should I apply?

Work on those baddies get your scores up close to 700 and im willing to bet you might get approved for all of them @ same time 


 

+ Chase ink =




Regular Contributor
Posts: 107
Registered: ‎03-07-2013
0

Re: When should I apply?

depends which card you want from each bank...

from citi the simplicity is easy to get

chase id go for the freedom or slate

discover are a$$holes so avoid them lol

 

for these cards id say 670-680's

Barclays TU: 760 MyFico EX: 746 EQ:?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.