Credit Card Center Advertiser Disclosure

Established Member
Posts: 15
Registered: ‎09-11-2012
0 Kudos

Which credit card for my score?

Hi all,

This is my first post and have been reading a ton of information regarding similiar situation I a currently am in. 


Currently hold an EX score of 629.


Breakdown of credit report:

Capital one : $3,500 used of $3,500 opened: 2-2011(paid more than half and waiting for closing statement to show up on report tomorrow 9.12.12)

Student Loan: $16,500 balance remaining opened: 08-2007

Capital one (Orchard Bank: $300 limit (0 balance) opened: 6-2008

Capital one (MC Rewards Zone): $800 (0 balance) opened: 11-2008

First Savings CC: $550 (0 balance) opened: 8-2009

Credit One Bank: $850 (0 balance) opened: 5-2009

Macys: $1,500 (0 balance) opened: 6-2008


I was hit in begining 2008 with 2 charge-off: Capital One and Macys. Chase card was paid for legall amount on the record but doesn't show Charge-Off mark. 


What are some good credit cards to open now that time has passed by. Currently my score is not the highest and am showing 2 inquires: (Capital One for $3,500, and tried to apply for Citi but got deneid). 


Was searching and wanted a Chase Freedom card or possibly another Capitalone Cash Rewards. A bit tired of having low limit cards since my income is hoovering a bit over $70K. 


All the accounts above have been paid on time. Wish I could boost my score high to mid-600's. 


I was thinking AMEX, but know I will be denied for Blue and need a card which will be to my advantage- don't really care about points or rewards, but searching for a card which will show high available credit. 


Opinions would be gladly appreciated. 




|Chase Freedom: $2K| CHASE SP $5K| AMEX (BCP): $4K| AMEX (BSP) $5K| Capital One Platinum: $3.5K| Capital One $2K| First Savings CC: $800 (closing this month)| Credit One Bank: $1,225.00 (closing this month)| BB RZ MC $1K|
Beg. Score: 589
Curent Score: 709 (09/06/2013)
Goal: 720
Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
0 Kudos

Re: Which credit card for my score?

With a 629 fico you will probably have a tough time getting approved by any prime lender. I'm curious as to where you received your ex score (the citi denial maybe? If you got it from citi than it is an actual fico score) as it could be a fako (non fico) score that is not used by lenders. The scores sold on this site are true fico (equifax moreso than transunion) models and will give you a clear picture as to where exactly you stand. 


Also take a look at to see what other people in your score range have been approved for. 


Paying down your balance on the 3500 cap one card to under $350 if possible would also have an extremely beneficial effect on your score, and would improve your chances of getting a card with a prime lender 

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.