I joined alliant cu last year. Just opened a savings and checking account because my low scores, eq 597. Since then I have increased my score to 632. I just applied for $500 unsecured loan last month to start showing some positive payment history. Since it has not been 30 days since my credit pull, I was thinking about calling and asking to be considered for a CC. I searched the boards to find out the typical score needed for an alliant cc and it looks likes they approve with mid to high level 600s. So would I be crazy in asking for cc consideration just yet or should I hold tight and continue to work on my score?
they apparently like to see at least 650 range for unsecured cc.
As long as it doesn't cost you another hard pull, why not?