No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I will be very greatfull if you kind people can suggest cards or anything else I can apply for to further improve my credit.
myfico scores
Eq (12 inq) 630
Trans (7 inq) 725
Exp (8 inq) 646
All inq atleast over 6 months ago except for one equifax inq from NFCU for a cli which was denied. Recon and went from 4500 to 5000
Overall util 13 %
In my wallet
Discover secure 2500 limit opened December 2016 Oldest Account on file
Cap1 Secure 500 limit opened December 2016
NFCU cash reward 4500 limit opened May 2017
Chase Freedom 1000 limit opened June 2017
Do you have an installment (open) loan(s) in the credit mix? Student loans, personal loan, auto loans? That could raise you some decent points on reports.
You seem to have the right card in a rebuild. Can you elaborate a bit as to what is dragging scores down. Did you file a BK, how long ago? Do you multiple late pays on present or previous accounts? When was the most recent, the age of the oldest? Do you have any chargeoffs/collections reporting?
Pretty numerous inquiries (unless was for mortgage or auto loan), when will most become unscoreable as far as FICO 8 (which is 1 yr from the date the inquiry was pulled).
I would check everywhere for prequalifications. (Cap One, Discover, Bank of America, Amex, Citibank)
Cap One might give you a decent card if you have been using and paying your cap one secured.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
For the prequalifications
Capital One
- Platinum
-QuicksilverOne
Bank of America
-Offers only recommendation not prequalify
US BANK
- Cashplus visa signature
-Flexperks
-Cash363
Discovers give me an error message.
@dcccwrote:For the prequalifications
Capital One
- Platinum
-QuicksilverOne - if it's the one with the annual fee, you can PC to no fee after a bit
Bank of America
-Offers only recommendation not prequalify - do not apply
US BANK
- Cashplus visa signature
-Flexperks - are these giving a SINGLE apr, and not a range?? If so, apply, if not do NOT apply
-Cash363
Discovers give me an error message.
Try Discover again later, in case the issue is on their end.
I applied only for the US cash plus card. It gave a single APR. They approved me for $600. It took 5 days for approval. I called after the approval and requested $7500 - Aproved.
I will stay away from capital one because they pull all 3
@dcccwrote:I applied only for the US cash plus card. It gave a single APR. They approved me for $600. It took 5 days for approval. I called after the approval and requested $7500 - Aproved.
I will stay away from capital one because they pull all 3
You went from SL of $600 to $7,500 with a phone call?
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
That is correct. It took 24 hours for the SL increase request. I am yet to receive the card in the mail.