Reply
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


09Lexie wrote:
Also try Barclays. I agree with improvingcredit in Cap 1 Newcomers, WalMart - Discover not so sure about...are you a student?

I thought about Barclays but they are real sticklers for 1 year of history too.  After that... they are great for growing with you.  It's not unheard of though to get approved.

:smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


cottoncrown wrote:
Go to the discover website and check to see if you are pre qualified for the discover it card. I have only had two secured cards for 2 months and got approved for $750cl. If that doesn't work try the capital one newcomers card. Neither of those cards have fees.

Yep...:smileyhappy:   Discover likes the new files.  I've recommended it several times an not once denied.  All had 6 months to 1 year history with limited credit.  I like them for starters

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP

[ Edited ]

bobbyburns34 wrote:

Yes, ive paid every single one in full way before the actual due date.

 

the last 2 months they were $30 payments

 

before, just a few dollars to get activity on the card


One more thing @bobbyburns34

I actually revise my original recommendation- app the Cash Rewards card for Average Credit instead of the New Comers.  I think you will be pleasantly surprised.

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Moderator
09Lexie
Posts: 26,348
Registered: ‎09-13-2012
0

Re: Young credit report, want another card. HELP

My bad, forgot about Barclays and their 1 yr luv affair.
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


09Lexie wrote:
My bad, forgot about Barclays and their 1 yr luv affair.

haha.. barcalys is a weird nut.  They will approve on recon really marginal files but won't consider someone with good but limited credit.  :smileyhappy:

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

New Member
bobbyburns34
Posts: 42
Registered: ‎05-09-2013
0

Re: Young credit report, want another card. HELP

Ok can i have links to these cards? LOL

 

i appreciate the help guys.

 

should i do the new comers card and discover right now?

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


bobbyburns34 wrote:

Ok can i have links to these cards? LOL

 

i appreciate the help guys.

 

should i do the new comers card and discover right now?


I'd do in this order:

Discover It

Cap One Cash Rewards for Average Credit

Walmart 

That's just the way I'd do it

 


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

New Member
bobbyburns34
Posts: 42
Registered: ‎05-09-2013
0

Re: Young credit report, want another card. HELP

ok ill try it out now!

Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Young credit report, want another card. HELP


bobbyburns34 wrote:

ok ill try it out now!


Try Discover first and give us the answer then we'll go from there.

Good Luck


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

New Member
bobbyburns34
Posts: 42
Registered: ‎05-09-2013
0

Re: Young credit report, want another card. HELP

OK just did the Discover it and its asking for a copy of my SSN or drivers liscense

 

is this good or bad?


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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}