Which CC do go for?

bott6698 · ‎12-21-2016

My wife and I both are working on fixing our credit. My wife is 650-670 range depending on CRA. I want to get her a few CC's merely to continue building her credit. Which card companies should we apply for with these scores? Right now she only has $500 Capital one card with 3% Util.

10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice

AverageJoesCredit · ‎12-21-2016

Synchrony cards are good for that range. Amazon walmart are a few that come to mind.

EAJuggalo · ‎12-21-2016

I just got a Citi DC with a 645 Fico. And an Amazon Store card. If you have any relationship with Chase you might be able to get a Freedom or Freedom Unlimited. I got a Freedom early this year without having a credit score, the only thing on my report at that time was an old auto loan with Chase.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

fltireguy · ‎12-21-2016

As far as Chase goes.. it seems as if the Amazon Visa is their easiest card as far as approvals go.. plus, they are issued as Signature regardless of SL

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

bott6698 · ‎12-22-2016

Sounds good Ill have her try for Amazon Visa I think. let you know results.

10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice

SouthJamaica · ‎12-22-2016

@bott6698 wrote:
Sounds good Ill have her try for Amazon Visa I think. let you know results.

The Amazon Visa may be Chase's easiest card, but Chase is tough.

IMO she'd have a better chance of approval with (a) NFCU, (b) Barclay Apple or LL Bean card, (c) Amex BCE or charge card.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

bott6698 · ‎12-22-2016

Which CRA and Score version does the Amazon Chase Visa Pull? Just wondering because I redid myfico for her and depends on which version they pull for her to qualify.

10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice

dragontears · ‎12-22-2016

Chase uses an internal score and frequently double pulls, my last chase card was EX and TU but others report EX and EQ. So really a gamble on what reports will be pulled

bott6698 · ‎12-22-2016

NFCU I have a cousin that was in the Air Force does that count? Also which CRA and Score version do they use?

10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice

Which CC do go for?

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Which CC do go for?

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