Should I start applying for UNSECURE Cards?

[Anonymous]

Capitalsecured (7mo) BofA secured (4mo)
Fingershut (4mo)
FICO 8 EQ 698 TU 706 EX 692
CK EQ 676 TU 676

[jesseh]

Those scores are good enough for getting unsecured cards. 

Why did you get the fingerhut card?

[Anonymous]

You're in good shape for some unsecured cards but be aware you don't want to go bonkers on it either.  When your scores are just under 700, you may get approved but your starting limit might be a toy limit of $500 and may not grow well.

I would suggest using all of the various prequalification pages, see what they offer you, post those offers here, and we can tell you what the likelihood is.  Discover for sure, maybe check Chase too since you're under 5/24.  Citibank, BofA, US Bank, Amex, etc after you check Discover and Chase.

[Anonymous]

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@Anonymous wrote:
Capitalsecured (7mo) BofA secured (4mo)
Fingershut (4mo)
FICO 8 EQ 698 TU 706 EX 692
CK EQ 676 TU 676

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Yes. Start with Cap One since you already have a card from them.

[Anonymous]

I had Capital 200 limit 7month ago. And opened Fingerhut and BofA sercure 2month ago. I didn’t fully read up about app spree and garden til now.

[Anonymous]

So I didn’t read up on fully how to app spare and garden. Til I decided to join this awesome forum. I did a mini app spree.
Discover 1500
Barclaycard 1000
Both capital 500 each
BofA still sercure 500

EQ 688
TA 706
EX 680

So Chae declined me
Too many recent requests for Credit or reviews of your credit.
Scoring system name: card acquisition risk score
Length of time since the oldest CC established
Number of request for new credit in past 6mo
Total available credit on credit cards

12/8/2017 score 671

Now should I recon chase or should I go to garden for 6mo-1yr? I appreciate the help

[Anonymous]

Into the garden for the next year for Chase.

[Anonymous]

Been 6moth since I last update.
I will need some advise on, should I closed out some of my cards or just wait for a bit.

1y1m Capital Secure $500
9m. Bofa Secure $ 500
7m Capital $1100
7m Barclay $1750
7 m Discover $2000
7 m Fingerhut $900

I Made a mistake By applying for BoA Unsecure cash rewards card and got approved of $2500. I know, I make a mistake of applying instead of asking for the BoA secured card to be unsecure.

Now the question is should I keep the Secure BofA and secure Capital open or closed? I know these two cards is my oldest aging card.

Any help would be appreciated

720 TU
724 EQ

FYI my report hasn’t update yet. Since I just applied for the new BofA card and totally forgot to read over this forum:/

[Anonymous]

I was afraid of my bad credit history and didn’t want to get decline. Lesson learned, alway ask this awesome forum for help

[Anonymous]

Neee help onto the next stage of repairing...
Gardening and wait? And what’s the next cards should I apply after gardening?