Credit Card suggestions?

Anonymous · ‎07-22-2015

My husband needs to get his 2nd and 3rd revolving credit lines established. We're wondering what to go for.

He has a C1 Platinum. I'm wondering about something with some kind of rewards.

For myself, I have a C1 Platinum and a C1 Quicksilver.

Should I apply for the Quicksilver for him too? Or should I diversify?

His credit scores range from about 610-640.

Any thoughts on what else we can get approved for besides Quicksilver that has some benefits?

Anonymous · ‎07-22-2015

On that range I was able to get a Discover account..

Anonymous · ‎07-22-2015

My wife and I were also able to get Discover cards in that range, also Chase Freedom.

Check the pre-approval links in this thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Pre-Approval-Sites-June-2015/m-p/4059266

Read the thread first, other users share their experience on which pre-approvals have been accurate for people and which haven't. Make sure you get a blatant "Congratulations you're pre-approved" message, otherwise they're just cold offers.

Anonymous · ‎07-24-2015

I am similar in FICO range and also had a C1 Platinum as my only card. I next applied for a Barclays Reward and was accepted.

Anonymous · ‎07-24-2015

Thanks for the link -

really chase freedom? i thought that was a hard one to get. did you have a lot of inquiries and derogs when you apped?

Anonymous · ‎07-24-2015

@Anonymous wrote:
Thanks for the link -

really chase freedom? i thought that was a hard one to get. did you have a lot of inquiries and derogs when you apped?

Relatively few inquiries... I had a total of 4(across 3 reports, no more than 2 on one) spanning two years, 3 of which were cell phone/cable/dish service related, only one actual financial institution inquiry from the beginning of the year by my credit union(which is weird, because i didn't app for anything at the beginning of the year that required a hard pull, so I'm looking into that one). We have various derogs on our CRs right now, but pretty much old stuff, nothing in the last few years except a tax lien.

We do have a healthy income and have been very discriminating in what financial institutions we've done business with during our rebuild.

Anonymous · ‎07-25-2015

@Anonymous wrote:

@Anonymous wrote:
Thanks for the link -

really chase freedom? i thought that was a hard one to get. did you have a lot of inquiries and derogs when you apped?
Relatively few inquiries... I had a total of 4(across 3 reports, no more than 2 on one) spanning two years, 3 of which were cell phone/cable/dish service related, only one actual financial institution inquiry from the beginning of the year by my credit union(which is weird, because i didn't app for anything at the beginning of the year that required a hard pull, so I'm looking into that one). We have various derogs on our CRs right now, but pretty much old stuff, nothing in the last few years except a tax lien.

We do have a healthy income and have been very discriminating in what financial institutions we've done business with during our rebuild.

Man... I have a bunch of inquiries - between 8 and 24. Like you, our derogs are all older and we have a healthy income. But my revolving tradelines are pretty new. I got the first in april (cap 1 platinum) and the second just a few weeks ago (quicksilver). I really need a third one though.... wondering if I should go for it??