Re: Best unsecured credit card for low fico scores

kwatk2007 · ‎11-06-2007

Do anyone know of or have gotten approved for a unsecured credit card with fico scores similar too 581,621,651 and what company has the best offer ,currently have no unsecured credit cards fico scores was in the 700's until got hit with a old bill from 04 working on that. Have only one open tradeline for student loan and trying to open new tradelines so I can eventually get a home loan, need to get at least 3 tradelines...

thanks

SmartCookie · ‎07-01-2007

Right off the bat, unless you have major unpaid collections I would say Cap1 should be a shoo in. Annual fee of around $39 for you most likely.... $200-300 CL which should jump to 2k by the first anniversary if you keep your record spotless. Do the pre-qual application on their site. There is no hard INQ with that unless you go ahead and apply.

There are many other cards which would approve with your scores, but as you are aware, you can get denied due to having under 2 or so TLs.

You can also read the boards for the BoA 99/500 card. It is partially secured but does not report as secured. You should be able to get that but no guarantees. They will unsecure it at some point if you use it well.

edit: err not shoe on, shoo in! Mommy mode...

Message Edited by SmartCookie on 11-06-2007 08:11 PM

EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***

ashabbir1 · ‎06-24-2007

lol how many do you want me to list

?

netpanther · ‎08-07-2007

some say it's a bit outdated but I found it still useful- try whogavemecredit.com and search by scores and then scroll down to who pasted in the last couple of mos.

SmartCookie · ‎07-01-2007

ashabbir1 wrote:
lol how many do you want me to list ?

All that he won't waste a hard INQ on for having too few TLs to qualify to app if you've got some!

EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***

ashabbir1 · ‎06-24-2007

lol i have endless list

total visa

rewards visa

tribute

imagine

cortrust

first savings bank

continental finance

do you want me to keep going

?

Badcreditguy · ‎08-14-2007

ashabbir1 how do you know so much about cc's? =)

SmartCookie · ‎07-01-2007

I don't mean those companies!

He wants 'best' so something as primely sub-prime as Cap1 that he can grow with a little with his scores for an establishing card.

Message Edited by SmartCookie on 11-06-2007 08:26 PM

EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***

MisterTor · ‎10-17-2007

Yep, my scores were slightly lower than yours, and I got a Cap One with no annual fee, even with an old CO and unpaid CA.

SmartCookie · ‎07-01-2007

MisterTor wrote:
Yep, my scores were slightly lower than yours, and I got a Cap One with no annual fee, even with an old CO and unpaid CA.

That score range typically constitutes the $39 fee, not even the $19 fee. Usually they will send you the pre-app offer in the mail

How did you manage to get a fee free card, that's awesome! Did you not get an offer and just go on the site and pick a it and app? Very rare, please share!

EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***