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Regular Contributor
Posts: 222
Registered: ‎01-08-2011
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Which credit card will I get good chance of getting

My current scores are 676, bout 30% utilization. I have two inqueries in last 6 months. No 30 day for 3.5 years.

 

I dont have any high CL card and I would like to get rid of some of my lower CL cards like First Premier and Captial One. I have two capital one cards, starters.. applied for a real capital one card and got denied, too many cards with them.. they didnt hit my credit...Should I close one and reaplly? or should I wait till score is higher? better off trying for a Citi or Wells fargo with current score?

 

I just got a mortgage and paid off some CC debt. My FICO scores went up 26 pts in 30 days... Also, I need to do some work on my house and was looking to get a line of credit loan, Wells fargo or Citi for that?

New Contributor
Posts: 65
Registered: ‎03-25-2008
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Re: Which credit card will I get good chance of getting

If you know anybody in the service, you are prime for Navy Federal Credit Union (NFCU). I had similar profile in 2008 and they granted me 2 cards at $15,000 a piece and a Line of Credit at $10K. Best move i've ever taken. If you cant get in NFCU, I would try any other credit union.

Regular Contributor
Posts: 222
Registered: ‎01-08-2011
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Re: Which credit card will I get good chance of getting

[ Edited ]

I have a nephew in the service, does that qualify me?

 

EDIT: I just checked and I dont qualify as an uncle.

 

 

Other than that, why a credit union over say like Citi, or Wells Fargo for line of credit?

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Which credit card will I get good chance of getting

usually more generous with credit limits.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 222
Registered: ‎01-08-2011
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Re: Which credit card will I get good chance of getting

I never used a Credit Union. Is there anything I have to have to qualify? I live in Texas.

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Which credit card will I get good chance of getting

me too.  you usually have to open up a checking & savings, or sometimes just a savings.  that's how you become a member, & then you can app for other products.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 222
Registered: ‎01-08-2011
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Re: Which credit card will I get good chance of getting

[ Edited ]

OK thanks.

 

Back to my first Q... what CC should i apply for with my current scores? I want to get rid of some of my starter cards with low CL.

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: Which credit card will I get good chance of getting

Are you a Citi or WF customer?  If so, I would try them.  

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: Which credit card will I get good chance of getting

I am not too sure but I think you can do this. Your nephew can join them and then you should be able to join them. I will ask your nephew to give them a call and find out.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
New Contributor
Posts: 65
Registered: ‎03-25-2008
0

Re: Which credit card will I get good chance of getting

+1

 

You should definitely be able to join if that happens. IMO, they're extremely nice to work with.

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