I would think you should be able to get approved thru Cap one as long as you have had the card with them atleast 6 months, no missed payments, and kept the utilization low. If you have done all 3, I say you are good. However, keep in mind your score might go up 10 points or down 10 points with the new app. But 6 months from now it would be to your benefit to have had 6 months of payments on an unsecured card. Good luck.
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
@Yoli14 wrote:Am I pushing it by applying for a unsecured cc even if I just got approved for a car load? I really need my scores to keep going up because I want to apply for a mortgage in about six months.
After 6 months an inquiry will have a minimal effect on your score. I second the poster above me.
Cap1 or maybe a GE backed card would probably be your best shot.
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.
Thank you Shogun! I got approved for a unsecured Cap1 w/$500 limit. 