topic Re: Looking for store branded card with low scores TU pull in Credit Card Applications

Looking for store branded card with low scores TU pull

CostantinoA — Tue, 07 Jul 2015 04:20:03 GMT

Hello eveyone:

I am looking for a store branded credit card that pulls TU. I would like to add another one this month. Does anyone know of one that I do not have already that would be the eaisest to get.

Thank you,

Re: Looking for store branded card with low scores TU pull

GoldSorata — Tue, 07 Jul 2015 04:23:15 GMT

My honest opinion is you are going about it all the wrong way if you are asking. Unless there is a store that you already utilize and the store card would benefit you, I'd suggest not apping for more store cards.

Re: Looking for store branded card with low scores TU pull

Pway — Tue, 07 Jul 2015 04:27:12 GMT

I agree with sezar on this one. You do not want a ton of store cards. You should only open cards with stores you reguarly shop with not just opening for the heck of it. What stores do you shop at and you should make your decision from there.

Re: Looking for store branded card with low scores TU pull

CostantinoA — Tue, 07 Jul 2015 04:30:27 GMT

I understand that! I am willing to put stuff at new stores in order to build credit. I make over 75k a year and my bills are only a few hundred a month.

Re: Looking for store branded card with low scores TU pull

Anonymous — Tue, 07 Jul 2015 05:51:27 GMT

i say just garden and let your scores grow then get a prime card that you can make $400-$600 a year on because you have money to spend...

Re: Looking for store branded card with low scores TU pull

securingourfuture — Tue, 07 Jul 2015 06:03:21 GMT

I tend to agree with everyone else, but to answer your question, try Lowes. They start you off low, but you can call in immediately to get like $15K-$20K limit. Sometimes a card like that on your report *may* get the major players to give you better limits.

Good luck to you!!

Re: Looking for store branded card with low scores TU pull

Anonymous — Tue, 07 Jul 2015 06:10:12 GMT

I believe Synchrony generally pulls TU. They did for me with both Amazon and Walmart. I've heard they pull TU for Lowe's as well. So perhaps research Synchrony store cards for one that will be useful to you. Don't go for any Comenity store cards if you only want a TU puller, because unless you do the shopping cart trick and get a SP, they usually pull EQ.

Re: Looking for store branded card with low scores TU pull

CYBERSAM — Tue, 07 Jul 2015 07:36:19 GMT

@CostantinoA wrote:
I understand that! I am willing to put stuff at new stores in order to build credit. I make over 75k a year and my bills are only a few hundred a month.

What is the benefit of having so many Store Cards with low CL? If you are trying to raise your score then having “06-2015 Inquires TU 23, 37 Ex “ so many inquires is hearting your score.

If you are trying to increase your CL for better utilization then all you need is your Cap1 and Discover card.

Most of the Store cards that you have, gives you no benefit at all and high interest rate! They also prevent you from getting a better CC, do to having so many new accounts and CCs.

I get that you’re trying to rebuild and any approval sounds amazing, I’m in the same boat. But having 12 CC and “Total Credit Lines - $6,650” is not recommended.

What I did was charged everything on Cap1 and in 3 months, they gave me a huge CLI. You have that, all you need is to charge everything on Cap1 and Discover (they like to see transactions) and pay it in full, not only your CL would increase, and your score would go up too.

I regret opening Walmart, CreditOne and 1stPri card. At this point they are hearting me more than helping!

Re: Looking for store branded card with low scores TU pull

Anonymous — Wed, 08 Jul 2015 16:41:41 GMT

Agree, don't app for a store card unless useful to you personally. People can get into trouble just randomly going for store cards without a need.

Re: Looking for store branded card with low scores TU pull

stellar — Wed, 08 Jul 2015 18:13:52 GMT

The best way to see this info is to go to the Credit Pulls Database (google search it) and put in your state and your score range.

Re: Looking for store branded card with low scores TU pull

Creditaddict — Wed, 08 Jul 2015 22:55:49 GMT

@CostantinoA wrote:
I understand that! I am willing to put stuff at new stores in order to build credit. I make over 75k a year and my bills are only a few hundred a month.

All the new accounts will keep you from the bigger better cards in the beginning usually.

I mean I tend to not be a great example with how many accounts I have but looking at what you have unless you can turn it into a BIG line than it's not going to help you.

Jcrew - ONLY if you can get it to pop up in shopping cart trick.

Lowes - your border but because of your walmart and amazon have a chance.

Those are it! GARDEN...

Honestly I would close the cards that are costing you a lot... you don't need more lines to build your credit, you need higher lines... so keeping cards that not only are low but cost a lot are reverse of what you need if you ask me.

I would do away with the discover AU ($200?)

OpenSky - isn't that secured? CLOSE

First Savings - Isn't that secured? CLOSE

Mid American - I know that's secured or expensive - CLOSE

Now your starting to look cleaned up and have a higher percentage of cards with higher CL's

Re: Looking for store branded card with low scores TU pull

Anonymous — Wed, 08 Jul 2015 23:35:34 GMT

You can also go to Credit pull Database that stores the various cards and you can sort by Credit bureau to know what credit grantors pull for their offers. it's good information to have available. Build your credit how you see fit, I opened a few accounts with nice SL that will ultimately decrease my utilization which will definitely increase my credit score.

Re: Looking for store branded card with low scores TU pull

Anonymous — Wed, 08 Jul 2015 23:40:05 GMT

@Creditaddict wrote:
@CostantinoA wrote:
I understand that! I am willing to put stuff at new stores in order to build credit. I make over 75k a year and my bills are only a few hundred a month.
All the new accounts will keep you from the bigger better cards in the beginning usually.
I mean I tend to not be a great example with how many accounts I have but looking at what you have unless you can turn it into a BIG line than it's not going to help you.
Jcrew - ONLY if you can get it to pop up in shopping cart trick.
Lowes - your border but because of your walmart and amazon have a chance.

Those are it! GARDEN...

Honestly I would close the cards that are costing you a lot... you don't need more lines to build your credit, you need higher lines... so keeping cards that not only are low but cost a lot are reverse of what you need if you ask me.
I would do away with the discover AU ($200?)
OpenSky - isn't that secured? CLOSE
First Savings - Isn't that secured? CLOSE
Mid American - I know that's secured or expensive - CLOSE

Now your starting to look cleaned up and have a higher percentage of cards with higher CL's

Man, if CA is telling you to garden you better do it.

Re: Looking for store branded card with low scores TU pull

Anonymous — Thu, 09 Jul 2015 13:26:26 GMT

You've got some decent cards already, let them age. It looks like you have 3 store cards already, I'd say that's more than enough, especially considering Walmart and Amazon have the best chances for growth if you play your cards right. (no pun intended!)

I would also start looking at whittling down some of the lower end cards and start shooting for some heavy hitters like Chase, Amex and a few others.