heres my credit score
EX 646 EQ 644 TU 664 due to paying down balances my Credit rating should jump 20-30 pts due to fico simulation
only have 1 inquiry 2 negatives which is in 2007
Cards i have
Cap One secured $551 cl
Cap One rewards $2000 cl
Dell $2000 cl
Dillards card $700 recently new 2 weeks old
im basically done with rebuilding my credit took me two years for the process of gardening my credit and building up a great history of credit
I would like to know which cards is good with upgrading thier customers or have a decent rewards program for thier clients??
I was looking at wells reward card or possibly a discover card and is there any good visa credit cards???
Starting Score: 581
@polo1985 wrote:heres my credit score
EX 646 EQ 644 TU 664 due to paying down balances my Credit rating should jump 20-30 pts due to fico simulation
only have 1 inquiry 2 negatives which is in 2007
Cards i have
Cap One secured $551 cl
Cap One rewards $2000 cl
Dell $2000 cl
Dillards card $700 recently new 2 weeks old
im basically done with rebuilding my credit took me two years for the process of gardening my credit and building up a great history of credit
I would like to know which cards is good with upgrading thier customers or have a decent rewards program for thier clients??
I was looking at wells reward card or possibly a discover card and is there any good visa credit cards???
Try to EO or FB msg them and see if you can PC the Rewards card to QS + CLI. If you are granted of PC + CLI, then I would close the Secured and get your money back. If you've gardened for the past two years, then i'm sure you'll have some HPs that you can burn...seems like your TU score may be on the borderline for Discover but i think you'll be okay.
Try the pre-qual sites and see if you get any matches based on your profile for other cards.
I also suggest trying the "prequalify" sites to see if you have any current offers. Keep in mind, it's not guaranteed that you'll get accepted if you prequalify but if they sent you mailers recently and your score has not changed much since then, you may have a decent chance.
I have also been building up my credit for a few years and was accepted for a Barclaycard Rewards (Average) with a $1500 CL after having one Capital One card and 3 retail cards--all with low limits. You might try their prequalify link if that is a card you're interested in. My Transunion score was 648 at the time of approval.
Good luck!!
Thanks for the replies i will try that