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Young credit report, want another card. HELP

Community Leader
Valued Contributor

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.

Smiley Happy


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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 31 of 100
Community Leader
Valued Contributor

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...Smiley Happy   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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 32 of 100
Community Leader
Valued Contributor

Re: Young credit report, want another card. HELP


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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 33 of 100
Moderator Emerita

Re: Young credit report, want another card. HELP

My bad, forgot about Barclays and their 1 yr luv affair.
Message 34 of 100
Community Leader
Valued Contributor

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.  Smiley Happy

 


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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 35 of 100
New Member

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?

Message 36 of 100
Community Leader
Valued Contributor

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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 37 of 100
New Member

Re: Young credit report, want another card. HELP

ok ill try it out now!

Message 38 of 100
Community Leader
Valued Contributor

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, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 39 of 100
New Member

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?

Message 40 of 100