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Best Card for 640 Fico

Valued Member

Best Card for 640 Fico

Just got an alert a few days ago my EQ jumped up to 640 and my TU is a 684 from wal mart card. Want to get a prime card but was just denied Citi Diamond Preferred due to current obligations to high for income stated, even shut down when trying to recon. What cards should I app for with those scores any ideas?
Message 1 of 8
7 REPLIES
Regular Contributor

Re: Best Card for 640 Fico

google discover pre appoval

 

and try to see if youre pre approved for any of their cards.. ive read a couple people in the credit card section getting approved right around that score



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 2 of 8
Established Contributor

Re: Best Card for 640 Fico

Have you tried for a Barclay's Apple Finance Visa? I was approved with a really low FICO score. The interest isn't the best, but it's a decent card from a decent company.

Message 3 of 8
Valued Contributor

Re: Best Card for 640 Fico

Depends on what you are looking to get from the card.  Just any card? Store card? Rewards card? Low APR?

 

What other cards do you have?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 8
Valued Member

Re: Best Card for 640 Fico

I have a wal mart card 2 first premier and a bbrzmc. I'd like to balance transfer onto a new card so I can close the 2 fp cards. I also got a merrick double your limit offer in the mail but don't really want another sub-prime card.
Message 5 of 8
Valued Member

Re: Best Card for 640 Fico

Discover had no offers found when I used their pre-approval link also
Message 6 of 8
Regular Contributor

Re: Best Card for 640 Fico


bearclaw84 wrote:
Discover had no offers found when I used their pre-approval link also

hmmm i agree with apple visa only if u dont have recent inquiries or relatively new accounts..

 

otherwise id maybe wait a few more months... the ones u can get right now prob arent much better than u have now.. 660+ should put u into a better level of cards



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 7 of 8
Moderator Emeritus

Re: Best Card for 640 Fico

It really depends on what your CR looks like.  What baddies are on there?  How old?  How many Inqs?  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 8