The Official 630 & Down Unsecured Credit Card Option Club

[Anonymous]

Figured if make a post just for us guys with sub prime credit rebuilding that want to try for a unsecured.
Please post what you have or were approved for and your credit rating and what bureau they pulled.

I was approved at 609 at TU for a unsecured 300.00 Credit One Card.

[Anonymous]

At 610 (TU FICO 8) I was approved for Barclays Reward MC.

[Anonymous]

The scores are approximate at the time of approval 

Chase Freedom $500 at 600 TU (after recon)

Quiksilver $500 at roughly 570's for $500 6 months ago which is now $2000

Kohls $300 at 600

GM Buypower at 600 $300

Several Comenity cards approved all around 600 most with SCT

Synchrony Walmart Card $150 (embarrasing) around 600

[Anonymous]

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@Anonymous wrote:

The scores are approximate at the time of approval 

Chase Freedom $500 at 600 TU (after recon)

Quiksilver $500 at roughly 570's for $500 6 months ago which is now $2000

Kohls $300 at 600

GM Buypower at 600 $300

Several Comenity cards approved all around 600 most with SCT

Synchrony Walmart Card $150 (embarrasing) around 600

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Did you have any negatives or derogs when you applied for any of those cards?

[Anonymous]

My first unsecured was CapOne (hah) a month after opening a secured card. They started it at $500, and my scores were around 550. I was in the Steps program and got it up to $750, not terrible.

I was around 570 average score when I got my Merrick card. It's one of those "double your line" cards that is invite only. Mine started at $700.

When I started apping, I had a few collections and a closed card reading at around 300% util (because fees and not sold to collections, of course).

I'm a little surprised at these two cards, because my scores were so low when I got them. I guess having the unsecured first and a long credit history helps.

Edit: I forgot one, at around 585 average I got the Victoria's Secret card through the cart trick, $500. Haven't even used it yet, lol.

[itsnew]

Started with Cap1 Secured 300 Limit now 2000 Still Secured but also added within same year Cap1 Quicksilver and Cap One Plat with 500 (applied same day) both are now 1500 asked for CLI after 3rd statement . Added NFCU 2900, Several Store Cards.
Starting scores Not sure of exact but around 550.
Current scores TU 613 Ex 651 EQ 576

[Anonymous]

608TU and got Barclay Ring :-) :-) :-)

[Anonymous]

Hey truth what is the Victorian secret cart trick?

[Anonymous]

Google "Comenity shopping card trick," VS is supposedly the easiest to get that way, and it saves you a hard pull. I only have it to bump up my total credit amt.

[ladyjaye82]

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@Anonymous wrote:
Hey truth what is the Victorian secret cart trick?

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Just put something in the cart, check out as a guest and start fillin out shipping info. It should just pop right up. I did it with success on 1/2.