05-09-2013 06:40 PM
on CK says im a 679
have a 300 limit on a Cap One secured card. Was $200 then raised to $300 a month ago outta no where.
had the card for 6 months, all 6 payments on time way before due date.
have no other bills or cards. so i have nothing but the cap one on file.
before i posted this i tried to get the chase freedom card and says they will send me in the mail if im approved or denied. Im guessing i didnt get it.
i need to get a card with no annual fee, something that wi will get approved for. i just want to work on my credit, CL limit means nothing to me at the moment
05-09-2013 06:42 PM
for your chase freedom, call in the reconsideration number in the sticky thread and talk to a credit analyst.
you can check out other secured cards. Bank of America and Wells Fargo have secured cards that can eventually be graduated to unsecured.
You can also check out credit builder cards. Capital One, US Bank has some of those.
Are you also interested in store cards?
05-09-2013 06:44 PM
Not trying to get another secured card, i dont want to put anything down really.
i only have 2 inquires on my credit report, well it will be 3 now with the chase.
um, id rather not get a store card but im not sure at the moment.. HM
05-09-2013 06:47 PM
also the only reason i went with the cap one secured card was because i had NO credit. i have no negatives or anything now or ever. but i went with them because of the low down payment.
i just want to get 1 more card and stick with those 2 for 6+ months and see what that does to my score and history.
05-09-2013 06:51 PM
I say if you apply for a store card that will be enough for your credit to get strong. It all depends which store card fits you best(grocery store, clothing store, gas station,)
05-09-2013 06:52 PM
Thats what I think, any1 else want to give him a different prescription?
05-09-2013 06:57 PM
I say wait 2 more months and app for a cap one unsecured cash rewards you have history with them and will likely be you best card to get atm with you situation
05-09-2013 07:20 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO