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Should i apply for a credit card?

New Member

Should i apply for a credit card?

Hello i am new to myfico. I know my transunion credit score is 642, exquifax is 693 and experian 682. I have 1 homedepot creditcard with a cl of $500 opended since jan. 2014 i had a 60day late payment that ended may 2014 since then all on time. I got a auto loan and have a balance of $10000 on that currently opened march of 2016 all on time payments. I have one collection for $318 since 2014 from brighthouse currently disputing with transuion. "The only bureau that shows it" i have 4 hard inquires that fall off my report in may for transunion and like 10 for exquifax and experian that all fall around same time all mainly from car dealership ran a bunch inquires on me in one day. I have been thinking about wanting to get a actual credit card to help build more credit. Im thinking a capital one platinum card. Im worried about being denied though because of my 1 collection and my late payments in the past. Anyone have suggestions about what i could be approved for? Any help would be greatly appreciated!
Message 1 of 4
Established Member

Re: Should i apply for a credit card?

I would try credit card forums.
But i would try to get a pfd on the collection and check pre qualify sites to see what you get. If its a solid apr in the offer your chances are higher rather than a range
Message 2 of 4
Established Member

Re: Should i apply for a credit card?

You can check if you pre-qualify on Cap one's site for that specific card. It does'nt hurt to check before actually applying. Make sure it for "pre qualifying"

Currently Gardening until August 2018

Starting FICO Scores: 567 EQ 567 TU 544 EX
High util as of 1/17/2018 89%
Message 3 of 4
Valued Member

Re: Should i apply for a credit card?

Most of the major credit card companies also have prequal sites.  You can go check all of those.  But, I would go to Capital One.  If you're having problem on-line, give them a shout!


Also, you could probably qualify for a Discover secured card.


Best of luck with your rebuild!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 630, EQ 656, TU 644 (01/11/2018)
1st Goal Ficos: EX 700, EQ 700, TU 700 (12/31/2018)
~~~Credit lines~~~~
BankAmericard Platinum Plus Mastercard Secured: $2000, Latest CLI-N/A
Capital One Platinum Unsecured: $500, Latest CLI-12/2017
~~~Latest Rebuilding Projects~~~
12/30/2017: 3 CRA Inaccuracy Disputes for CAs by certified mail
12/30/2017: 2 OC GW Recall Letters by regular mail
01/05/2018: 1 OC GW Phone Call
01/11/2018: 2 CA removed from all 3 bureaus, except 1 left on EQ
01/12/2018: Online TU request for EE of 6.5 year old charge-off
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Message 4 of 4