Which credit cards can I apply for with 681 EQ FICO SCORE?

[kchui1028]

I use FICO SCORE WATCh and I just got a nice bump in my credit score after I paid off a big balance on my credit card last month. 

My EQ FICO is now 681.

My TransUnion score is 640 with a high balance that's yet to be updated.. so I expect a similar score once that's been updated as well.

I was not able to get a FICO score for EX. for obvious reason, but the report is the same as my EQ.

I was also not able to get the TU SCORE from MyFICO for some reasons, So i go to annualcreditreport.com and get the report from TU and signed up for their 7 days trial to get the TU score, is the TU score from TU site a FAKO Score? 

I'm currently looking at some of the Chase cards because they sent me a few offers for the first time since 2+ years last month.

I am looking at Chase Slate, Chase Freedom and Chase Ink (I have a personal account & business account with Chase with deposit more than 50k for 2 years)

I have not applied or had any inquires for the past 12 months. My only baddie was an auto repossession that I applied for in 08, and went into collection in 09 and has been paid off in settlement in 2011. 

Currently I have only ONE credit card, a secured Capital One Card that never lates for the past 2 years, I have had it for about 2 years.

Are there any other cards that I should be looking at that I would qualify?

Thanks for anyone's help in advance.

[LS2982]

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@kchui1028 wrote:

I use FICO SCORE WATCh and I just got a nice bump in my credit score after I paid off a big balance on my credit card last month. 

My EQ FICO is now 681.

My TransUnion score is 640 with a high balance that's yet to be updated.. so I expect a similar score once that's been updated as well.

I was not able to get a FICO score for EX. for obvious reason, but the report is the same as my EQ.

I was also not able to get the TU SCORE from MyFICO for some reasons, So i go to annualcreditreport.com and get the report from TU and signed up for their 7 days trial to get the TU score, is the TU score from TU site a FAKO Score? 

I'm currently looking at some of the Chase cards because they sent me a few offers for the first time since 2+ years last month.

I am looking at Chase Slate, Chase Freedom and Chase Ink (I have a personal account & business account with Chase with deposit more than 50k for 2 years)

I have not applied or had any inquires for the past 12 months. My only baddie was an auto repossession that I applied for in 08, and went into collection in 09 and has been paid off in settlement in 2011. 

Currently I have only ONE credit card, a secured Capital One Card that never lates for the past 2 years, I have had it for about 2 years.

Are there any other cards that I should be looking at that I would qualify?

Thanks for anyone's help in advance.

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I would give AMEX (Charge Card) / Discover a look too.

[kchui1028]

I'd love an AMEX but with a score below 700 and a repossession history, is it even possible especially with a charge card?

[kchui1028]

Would love more advices on my situation.. which cards should I get? which co. will most likely pull EQ and approve me? I live in Northern California.

[09Lexie]

Are you a member of a CU? I'm not too sure about Amex only because the baddies are recent but stranger things have happened. Chase has a good recon but TBH, they really can be conservative about recent baddies too. Since you already have Cap 1, what about BoA?

[kchui1028]

No Credit Union.. I figures I will try to apply for the ones I know I wanna keep in the long term.. Cap1 is kind of a stepping stone for me as I used to have really bad credit history with 5-6 Collections, I decided to clean up my report and paid off almost all of them with deletion.

Cap1 card is the card that I will always keep though to extend the credit history for long term. There don't seem to have many cards from BOA and are they strict? I never heard much about their credit cards from the forum or ppl. Everyone praise Chase and their cash back and rewards.

I guess if I do get denied I will try again in 6 months and keep going until my baddies are gone and my credit history are longer with higher score.

[dpride86]

livingsocial chase credit card. I got it with a 640 credit score

[kchui1028]

I don't care much about "livingsocial" so it's not a card that I wanna keep in my credit history.. I'd rather get a target credit card TBH lol

[kchui1028]

any other suggestions?

[BearsAndTurtlesRtheBest]

You can always recon your app if denied with chase. You can explain your situation and maybe request them to pull other credit bureuas that are in better shape.