another cc needed

[justine14]

i need another cc not satisfied with the one i got(credit one) just not gving me the good perks and all i want my score is about 6hundred and something close to 700 any suggested ones.

[Shelly313]

I feel you with the Credit One.  How long have you had it for?

[justine14]

not even 6mos

[Shelly313]

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@justine14 wrote:

not even 6mos

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what are you fico scores around, any Charge offs (paid or unpaid) or collections?

[heyarrnold]

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@justine14 wrote:

i need another cc not satisfied with the one i got(credit one) just not gving me the good perks and all i want my score is about 6hundred and something close to 700 any suggested ones.

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What cards do you currently have? And what does your credit report look like, if you don't mind me asking; such as baddies, utilization etc. 

[justine14]

eqfx 679 trans not sure ex 590  what all 3 say im slow at paying (in other words dont pay on time) no charge off or anything just got

a new car loan back in 6/13 for 1300.00 other than that noting new and i have not had a car loan since 1991

[Shelly313]

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@justine14 wrote:

eqfx 679 trans not sure ex 590  what all 3 say im slow at paying (in other words dont pay on time) no charge off or anything just got

a new car loan back in 6/13 for 1300.00 other than that noting new and i have not had a car loan since 1991

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Do you know why that it keeps saying that?  With Credit One I pay it right away because I know waiting the week before with them (when payment is due)  isn't a good idea.  Have you thought about a secured card?  I would recommend the NFL Barclays cause I know they are a little lenient but they like to see payment history (I was approved with a TU score of 608).

[heyarrnold]

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@justine14 wrote:

eqfx 679 trans not sure ex 590  what all 3 say im slow at paying (in other words dont pay on time) no charge off or anything just got

a new car loan back in 6/13 for 1300.00 other than that noting new and i have not had a car loan since 1991

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Hmmm. Perhaps a Discover It card, or a basic Capital One card. I had those two cards when my scores were in the mid 600's when I started building my credit. But if I were you, I would get a bit of payment history with Credit One. And try really hard to pay on time so your scores go up. And if possible, pay in full

[justine14]

 i have had good credit in the pass and mess up this was a couple of years ago so i vow not to mess with anymore cc until i clean up

my credit which i have and am still keeping track of my  scores now im back on track and am more wiser now then i was before i only have

this one cc credit one but i need a good stand by one i have considereda secure card but not sure which one

[Shelly313]

Does you bank offer secured cards?