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New Contributor
rose214
Posts: 109
Registered: ‎04-08-2013
0

looking for an unsecured credit card

my credit is between 630-640. I have a capital one (300 cl), kohls (300 cl), and credit one credit card (600 cl). I'm looking for an unsecured card with a high CL, does anyone know anywhere I can go and get that with my credit the way it is???

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: looking for an unsecured credit card

What is your current utilization? How many inquiries? Any derogs on file?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
New Contributor
rose214
Posts: 109
Registered: ‎04-08-2013
0

Re: looking for an unsecured credit card


enharu wrote:
What is your current utilization? How many inquiries? Any derogs on file?

utilization is 20% or lower for all 3 cards. Inquiries is high due to have been working on my credit the last year and just got the kohls card and cap one card about 4 months ago. No derogs, all was paid off in may.

Starting Score 4/3/13 : FICO 612 TU (FAKO)--642 EX (FAKO) - 497 Equifax (FICO) 593
Current Score6/28/13 EX(FAKO) 602, EQuifax (FICO) 615, TU(FICO) 642 EX-(FICO) 657
Goal Score : 700+
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: looking for an unsecured credit card

Are the collections / charge offs etc. still appearing on your file? How many inquiries approx?
You could try checking out capitalone builder cards as well.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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HiLine
Posts: 3,090
Registered: ‎10-19-2012
0

Re: looking for an unsecured credit card

Bank of America would be your best bet IMO. They are really good with starting limits.


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