Reply
New Member
southerngirl306
Posts: 11
Registered: ‎02-28-2008
0

Credit Card Approval with low credit score

My ex score is 544 as of today...are there any credit card companies that I can get approved through? I need to open more credit accounts to boost my score. Thanks for any suggestions.
Established Contributor
orhippychic
Posts: 562
Registered: ‎08-16-2007
0

Re: Credit Card Approval with low credit score

I got a salute MC with a score like that. The fees are horrible though. You may want to do a little bit more repair work and try for a credit one. i just got one with a 589 EX score and the fees are 1/2. Good Luck! :smileyhappy:
09/28/07 EQ 498 EX 537 TU 477
12/27/07 EQ 526 EX 562 TU 541
02/26/08 EQ 526 EX 589 TU 579
11/09/08 EQ 562 EX 648 TU 578
Established Contributor
modernsurrender
Posts: 805
Registered: ‎02-01-2008
0

Re: Credit Card Approval with low credit score

[ Edited ]
This'll probably get moved to the CC forum soon, but try whogavemecredit.com that'll give you some ideas, you can also look into secured cards which are your best bet, still not guaranteed BofA pulls Ex (or did for me a week ago) and I got approved for a secured card with them via mail.  (It came with my rejection letter for an unsecured haha)
 
Oh yeah in terms of fees, BofA just has an annual fee that's pretty reasonable.  If you bank with Wells Fargo they have a decent annual fee on their secured card but I don't know what they pull/what score they take.


Message Edited by modernsurrender on 03-03-2008 02:07 PM
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007
0

Re: Credit Card Approval with low credit score

southerngirl, where did that score come from? There are many kinds of scores, but the only one that really counts are scores from FICO, as 90% of the lenders use that when considering granting credit.
 
If it is FICO, then one place to start is right here at myFiCO. Look to the black menu bar on the right...the catagory marked Get a Credit Card. Run a search based on your score.
 
There is also a great website:  whogavemecredit.com:
 
 
Make sure the score you enter is a FICO score.
 
There's also, ScoreMatch:
 
 
That should get you a goin'.  Good luck! :smileyhappy:
 
"Never ever, ever be late. Never" (FUTR)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}