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Which cards can I get with 7 months of credit?

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Anonymous
Not applicable

Which cards can I get with 7 months of credit?

My TU score is 708 and EXP is 690. I only have a 300 dollar limit with credit one bank and I pay off my balances in full every month. Which cards can I apply with 7 months of credit? I know some want established credit
Message 1 of 22
21 REPLIES 21
elim
Senior Contributor

Re: Which cards can I get with 7 months of credit?

i would try all the pre-Qualify links first and see if you get a bite.

 

Chase, Citi, BOA, Amex, Cap1, etc.

Message 2 of 22
Anonymous
Not applicable

Re: Which cards can I get with 7 months of credit?

Discover and Amex tend to like short but clean files, so if you don't get a prequal offer, I would start there.

Message 3 of 22
Anonymous
Not applicable

Re: Which cards can I get with 7 months of credit?

Elim
If I don't get prequal should I apply still
Message 4 of 22
Anonymous
Not applicable

Re: Which cards can I get with 7 months of credit?

Jaylau17
Which Amex product should I apply
Message 5 of 22
elim
Senior Contributor

Re: Which cards can I get with 7 months of credit?


@Anonymous wrote:
Elim
If I don't get prequal should I apply still

  have you checked them all and have no prequalified offers?

 

  don't apply for anything yet. just check the pre-quals and let us know what your offers are

Message 6 of 22
ray8806
Regular Contributor

Re: Which cards can I get with 7 months of credit?

AFTER you check your prequels, depending on what your results are,

AmEx- The Delta Gold card and the Everyday cards are easier to qualify for. So if you're looking for air miles or basic points, go for one of those. The charge cards also seem to be a little less strict than some of their other cards.

Chase- Freedom or Slate...maybe.

Barclay- Rewards MasterCard

Discover It...maybe? Not sure about this one. I've never really put much effort into them.

Also, you can see if your local credit union has Starter unsecured credit cards. Those are usually pretty good.
EQ: 710(FICO) EX: 695(FICO) TU: 708(FICO)
Message 7 of 22
Anonymous
Not applicable

Re: Which cards can I get with 7 months of credit?


@ray8806 wrote:
AFTER you check your prequels, depending on what your results are,

AmEx- The Delta Gold card and the Everyday cards are easier to qualify for. So if you're looking for air miles or basic points, go for one of those. The charge cards also seem to be a little less strict than some of their other cards.

Chase- Freedom or Slate...maybe.

Barclay- Rewards MasterCard

Discover It...maybe? Not sure about this one. I've never really put much effort into them.

Also, you can see if your local credit union has Starter unsecured credit cards. Those are usually pretty good.

Good picks. These are all good cards for the OP to look at.

 

For Barclay's though, If the OP is interested in getting an easy 50K AA/US Airways miles, The US Airways is an easy approval as well. Perhaps not as easy as a Rewards MC, but definitely a great pick for the bonus conscious.

Message 8 of 22
Anonymous
Not applicable

Re: Which cards can I get with 7 months of credit?

Bap

Message 9 of 22
Themanwhocan
Senior Contributor

Re: Which cards can I get with 7 months of credit?

The cards you can get with 7 months of credit and Toy starting limits, are the same cards you can get with 12 months of credit and Large credit limits.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 10 of 22
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