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rebuilding credit what card next

Valued Contributor

Re: rebuilding credit what card next

If you had extra cash in hand you would go ahead and apply for maybe 2 to 3000 as a secure card with your current bank or Credit union then in 6 month to a years when you app for another card they might approved you with a higher limit.......match with your high trade line


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 21 of 25
Regular Contributor

Re: rebuilding credit what card next

i have a credit union acct.  i was planning on getting a secured card with them on wed. of next week. starting it at 250.00 and adding money as i can  thanks for the imput

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 22 of 25
Valued Contributor

Re: rebuilding credit what card next

You know it's good to ask the, and explain to them your situation you probably don't have to go witH secured but unsecured card since its only one hard pull.I mean it's all up to you but it's probably start at least 1000 in the next 6 months for a better qualify product in the long term. Lender look attour high trade line if they offer you their product.

And keep in mind after this one it's should be good enough no more app for a while.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 23 of 25
Regular Contributor

Re: rebuilding credit what card next

The secured card through my CU is no pull involved and reports to all 3 cra's.  After not getting instant approval on old navy have decided to just garden after the CU sec card.  Very happy about the walmart card though.  No annual fee and free TU report.  How do I find that.  Or does that info come with the card.  And how do I tell if its disc. Or just the store card. Need to find NO A/F card that only pulls experian.  Was thinking best buy but I don't know what they pull and has $49 A/F.  Will walmart close the card if not used or can I SD it

 

Thanks mike


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 24 of 25
Valued Contributor

Re: rebuilding credit what card next

You get too excited about those new apps my friend slow down and play smart for higher credit limit.......Patience is a main keys ;-). Just sayin"


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 25 of 25