fico score is 620 looking for a credit card.

[09Lexie]

You can be approved for an Amex with a CS lower than 700. Low 600's is probably more of a stretch.

OP if you are looking for store cc's- GE would be a start also their PayPal MC. You probably need mid 600's for Chase, Discover and Amex.
With that range, are there any baddies?

[murat]

i dont have baddies but i have a high utili. % 20

[myjourney]

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@09Lexie wrote:
You can be approved for an Amex with a CS lower than 700. Low 600's is probably more of a stretch.

OP if you are looking for store cc's- GE would be a start also their PayPal MC. You probably need mid 600's for Chase, Discover and Amex.
With that range, are there any baddies?

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Agreed 

Walmart is also an option if you shop there and the free (TU) fico score is a plus 

[09Lexie]

I'd go with a GE product. Use them for their generous CLI's which will help with your util. By the end of the year, you should see a nice increase if you keep your util down and do not add too many accts.

Good luck.

Edit: typo

[murat]

is GE a prime lender or sub-prime?

[JonStur]

Don't know about your financial situation, but if you have no baddies, do your best to get your util down first. If you can get 40 or 50 more pts. on you're score, it's a whole new ball game!!!

[armbenderc]

GE is prime all the way in my book.

[Revelate]

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@armbenderc wrote:

GE is prime all the way in my book.

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Heh, not in mine but it's an irrelevant label anyway.

@murat: At 620 FICO, GE store cards / secured / subprime products are about as good as one can do; the breakpoint into better cards is in the 640+ range.  If you can wait for a bit I would assuming you have at least two credit cards reporting now.  If not, then I'd pick something else up, but otherwise I'd wait for my FICO to move upward by not all that much and take a shot at better cards (like a Chase Freedom or similarly tiered cards).  

[Nan425]

I was approved for Discover It card (limit $1250), and AmEx Green card (no preset spending limit) with Fico Experian credit score of 640. At this time I had 1 year old 30 day late on my credit report, a paid collections that hit the one year aged mark, utilization was 40% and only 2 inquires (about 1.5 yrs old). Also, I put on my application that my income was $61K with $700 rent.

I had credit score below 600 and was approved for:

Capital One Rewards (started at $500, then increased to $750, and then to $1250), had card for about 3 years.

Merrick Bank (started at $500, then increased to $700, then to $850, then to $950, and finally to $1150), had card for less then 3 years.

[murat]

i just searched here that i think below 660 score you cant get an Amex or discover.this is my opinion.