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I currently have two secured cc w/CL of $300 each. One is with Orchard and the other with CapitalOne. Should I apply for another cc?
IMO the answer would be no on the secured card. Your next step would be to apply for a non secured card. When to apply will depend on your scores and age of those two cards.
@namvet wrote:IMO the answer would be no on the secured card. Your next step would be to apply for a non secured card. When to apply will depend on your scores and age of those two cards.
+1 namvet's got some great advice^^^^^^^^^^.
@jamie123 wrote:
@namvet wrote:IMO the answer would be no on the secured card. Your next step would be to apply for a non secured card. When to apply will depend on your scores and age of those two cards.
+1 namvet's got some great advice^^^^^^^^^^.
Thank you guys!
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.
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.
@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.
@Shogun wrote:Cap1 or maybe a GE backed card would probably be your best shot.
Thank you. I hope I don't get denied.
Thank you Shogun! I got approved for a unsecured Cap1 w/$500 limit.