topic Re: Help me Get a better card please in Credit Cards

Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 20:11:12 GMT

Hello everyone. here is a list of current cards.

(secured)

Capitol one secured -1,000 limit 0 balance. opened 12/14

Discover it -500 limit 0 balance opened 04/16

(Un secured)

First Premeir - 300 limit 0 balance opened 12/14

First premier - 700 limit 0 balance opened 01/16

Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months

Credit one - 700 limit 80 balance opened 03/15

Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)

Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k

Fingerhut - 900 limit 0 balance almost at a year old

(Authorized user) (from Wife)

Red card- 700 limit - 500 balance 10 months or so

Angel Card - 450 limit - 75 balance 10 months or so

Cap 1 - 500 limit 300 balance 10 months or so

Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

Re: Help me Get a better card please

Anonymous — Sun, 10 Jul 2016 20:50:43 GMT

@jjbryant3 wrote:
Hello everyone. here is a list of current cards.
(secured)
Capitol one secured -1,000 limit 0 balance. opened 12/14
Discover it -500 limit 0 balance opened 04/16

(Un secured)
First Premeir - 300 limit 0 balance opened 12/14
First premier - 700 limit 0 balance opened 01/16
Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months
Credit one - 700 limit 80 balance opened 03/15
Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)
Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k
Fingerhut - 900 limit 0 balance almost at a year old

(Authorized user) (from Wife)
Red card- 700 limit - 500 balance 10 months or so
Angel Card - 450 limit - 75 balance 10 months or so
Cap 1 - 500 limit 300 balance 10 months or so
Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

The PreQual on CapOne is a hit and a miss.

So many dont get the PreQual response and app anyway and get approved.

When you get that Point Jump I would app for the Quick Silver One MasterCard... yes it has a fee.

But you get cash back so to me that is worth it....

Maybe try calling them before apping and have a nice chit chat...

PS are those your FICO8 scores or your FAKO's

If those are your FAKO's may I suggest you going to CreditCheckTotal and getting your FICO8's for a dollar.

Just remember to cancel before the time period is up.

Personally my FAKO's are lower than my FICO8's .. if this is the case for you .. I then would app for CapitalOne QS1 MasterCard.

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 21:00:06 GMT

Hi thank you for the response. Those are my fico8 score. I pay for the 3b myfico. I believe my score dropped as the last year while i was never late i let my cards go up close to max. I then decided to pay these all off which I have done minus a couple my wife has that I am an AU on. I have not gotten my merrick bank from 90% UT to 0 nor the 700 FP nearly maxed to 0. I have never had a late payment. I have one 30 day late from child support from 5 years ago which is just bogus as CS is always garnished i had no control. I sent GW letters etc but that old 30 day late from 5 years ago remains. I would expect 10-15 point jump when ever the CRA update. My file doesn't look that bad imo. I mean i see people with chapter 7 and 13 and thinner files with more baddies getting better offers. I have something like 13 positive tradelines with perfect pays as agreed. I just need my UT to drop after paying all these down. I understand to carry a small balance on one or two cards. I was playing wrong. I have talked to Cap1 and they agree i have been a long time customer but could not really give me enough confidence to get the HP. I would like a QS1 unsecured for 1k and close the 2 premiers that equal 1k. I have worked so hard for the last 2 years

Re: Help me Get a better card please

SouthJamaica — Sun, 10 Jul 2016 21:03:24 GMT

@jjbryant3 wrote:
Hello everyone. here is a list of current cards.
(secured)
Capitol one secured -1,000 limit 0 balance. opened 12/14
Discover it -500 limit 0 balance opened 04/16

(Un secured)
First Premeir - 300 limit 0 balance opened 12/14
First premier - 700 limit 0 balance opened 01/16
Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months
Credit one - 700 limit 80 balance opened 03/15
Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)
Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k
Fingerhut - 900 limit 0 balance almost at a year old

(Authorized user) (from Wife)
Red card- 700 limit - 500 balance 10 months or so
Angel Card - 450 limit - 75 balance 10 months or so
Cap 1 - 500 limit 300 balance 10 months or so
Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

Patience.

I think you already know what you should do.

Close a couple of the worst cards.

Keep your utilization low. Have all but one of your accounts report a zero balance. And have a low balance on the one that is reporting.

And don't apply for anything for awhile. Keep the inquiries off and let your accounts age.

When you prequalify for a Capital One unsecured card, go for it.

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 21:12:07 GMT

if i close the FP cards thats 1k of credit and age that will hurt my score. So should i just wait and see what my fico hits with my cards paid off as they are and try for the cap1 so i can close the FP's? What Fico8 should i guess would be safe to apply? My TU at 620 should be good enough i would think especially with the age of my 1k cap 1 paid as agreed. I know i need to be patient and garden but i despize paying the fee's everything month to FP and credit one. I jut want out of those cards i feel i should have earned it by now.

Re: Help me Get a better card please

Anonymous — Sun, 10 Jul 2016 21:35:46 GMT

@jjbryant3 wrote:
Hi thank you for the response. Those are my fico8 score. I pay for the 3b myfico. I believe my score dropped as the last year while i was never late i let my cards go up close to max. I then decided to pay these all off which I have done minus a couple my wife has that I am an AU on. I have not gotten my merrick bank from 90% UT to 0 nor the 700 FP nearly maxed to 0. I have never had a late payment. I have one 30 day late from child support from 5 years ago which is just bogus as CS is always garnished i had no control. I sent GW letters etc but that old 30 day late from 5 years ago remains. I would expect 10-15 point jump when ever the CRA update. My file doesn't look that bad imo. I mean i see people with chapter 7 and 13 and thinner files with more baddies getting better offers. I have something like 13 positive tradelines with perfect pays as agreed. I just need my UT to drop after paying all these down. I understand to carry a small balance on one or two cards. I was playing wrong. I have talked to Cap1 and they agree i have been a long time customer but could not really give me enough confidence to get the HP. I would like a QS1 unsecured for 1k and close the 2 premiers that equal 1k. I have worked so hard for the last 2 years

Ahhhh...

Great that you have gotten the utilization down down down.. and if and when you get that Jump/Bump then I would maybe app for the QS1 MC. But realize that Cap1 pulls all 3 .. I know I hate that too...

But I feel that if you can get all 3 into the 6's and contingent on income, baddies and inquiries I'd wait for that Jump/Bump just to be sure.

I'd hate for you to pull just a tad too soon. You are so close... and you may get approved right now.. but if you do it may not be for a lot.

Chin up Buck-a-Roo... you can if you wanna but I'd wait just a little.

But its up to you in the long run...

Everyone stips are different and wants as well.

Re: Help me Get a better card please

Anonymous — Sun, 10 Jul 2016 21:37:39 GMT

@jjbryant3 wrote:
if i close the FP cards thats 1k of credit and age that will hurt my score. So should i just wait and see what my fico hits with my cards paid off as they are and try for the cap1 so i can close the FP's? What Fico8 should i guess would be safe to apply? My TU at 620 should be good enough i would think especially with the age of my 1k cap 1 paid as agreed. I know i need to be patient and garden but i despize paying the fee's everything month to FP and credit one. I jut want out of those cards i feel i should have earned it by now.

When you close an account, it stays on your credit report for 10 years. Shouldn't hurt too much.

Re: Help me Get a better card please

juniornj23 — Sun, 10 Jul 2016 21:50:28 GMT

Start by closing the 2 premier and the credit one bank

Get your UTL 5 to 10% font app for any other card wait 9 moths to 12 and app for 2 more card like capital one try to get penfed into your wallet

Re: Help me Get a better card please

juniornj23 — Sun, 10 Jul 2016 22:00:23 GMT

You can read my story i went from negative credit report to 740 and 100k in credit . Fix and get good credit takes time

1 dont app for too many cc
2 always pay on time
3 UTL lowe ( used your card pay in full 1 day before your due day ) then used your cc .

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 22:03:32 GMT

income is decent 44-46k. inquiries most are nearly at 2 years, none since i got the discover 5 months or so ago. the baddies are the 4 5 year old medicals. one 5 year old 30 day late on child support which is garnished so i didn't even pay late. 2 charge off's falling off next month from FP from 2008. that's all. my payment history says excellent 95% due to the one old CS payment i don't mind waiting to make sure all 3 are obove 600. to the last person who commented are you saying to close the 2 FP and cap 1 now? that's 1,700 of credit with 0 balance i would think that would hurt my fico as my avaliable credit would drop. i believe i have around 6k total now. My thought was get a more prime card that equals close to what i would close that are at zero balance owed now. then close those down. sprt of graduating. I know charging these up hurt my score, i would have most likely been upper 600's if i played the game right right but i didn't. But i do now have my UT under 10% minus what I am AU on (wifes cards)

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 22:14:48 GMT

keep in mind My history with Cap 1 is 12/14 with perfect payment history. all my trade lines are perfect. I just want out of the FP cards very bad and feel i deserve a unsecured cap1. My merrick card is 1k unsecured august 18, so by next month i should really qualify for something better i would only think. A excellent payment history with my UTL ideal and a great mix of trade lines. The old baddies shouldn't hurt me so much as they are so old and falling off according to my CR they stay on until 08/2016. pretty frustrating, been very ontime charging all the way up paying all the way off for nearly 2 years. and i see people defualting and chapter 7 and 13 getting better cards nearly instantly. I have never filed for bankrupcy. or have any sort of judgment in my file. long work history and payment history. seems it's taking a very long time for me which for most i see them getting stuff so much faster by basically not paying their bills and starting over.

Re: Help me Get a better card please

wantmoremoney — Sun, 10 Jul 2016 23:18:14 GMT

You have been patient that long. Just a lil mo patience and you will be where you want to be. Remember rebuidling or building credit is a marathon not a sprint! Results will not happen fast or over night. You have done great and trust in due time you will have all the credit and credit cards you could ever want. Just wait for your CR to update with the lower utilization and then give Capital One Quicksilver One a shot and you should be good to go! Good luck and hope you get all you want real soon!!

Re: Help me Get a better card please

Anonymous — Sun, 10 Jul 2016 23:36:53 GMT

I would suggest you get yourself removed as an AU from your wife's cards. Her utilization is hurting your scores (2 of them are over 50% and the 3rd is almost there). All of hers are reporting balances which hurts maximum scoring as well. Her AAoA at less than a year is probably pulling down your AAoA as well.

See where your scores are after your lower utilization reports and the AU is removed, I bet it gives you a decent increase.

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 23:41:40 GMT

i thought about that. im piggy backing her too. I just set up payments too pay hers off or down to 20% on one. We are tryin to build together but if i need to i will take myself off hers and keep hers on mine

Re: Help me Get a better card please

Anonymous — Sun, 10 Jul 2016 23:45:33 GMT

Sometimes it's easier to work on one file at a time. Get yours standing on its own. Then hers or vice versa. Also, on a manual review AU's aren't always taken into account so it's important to each build your own.

Re: Help me Get a better card please

jjbryant3 — Sun, 10 Jul 2016 23:56:30 GMT

my credit is better than hers so she could be dragging mine down some. honestly all i want is a QS1 for rewards like my discover and to equal out the credit i will lose closing the FP and credit one cards those 2 would be 1,700 and all avalable credit as they are at 0 well Credit one is 80 balance because they wont allow me to make another payment to zero it. as soon as i can its 0 and in the sock drawer forever. i will never swipe those cards again. apparently just keep paying the monthly fee's until my fico8 is high enough scross the board to chance a hard pull for the QS1

Re: Help me Get a better card please

Dahlia77 — Mon, 11 Jul 2016 10:46:25 GMT

@jjbryant3 wrote:
income is decent 44-46k. inquiries most are nearly at 2 years, none since i got the discover 5 months or so ago. the baddies are the 4 5 year old medicals. one 5 year old 30 day late on child support which is garnished so i didn't even pay late. 2 charge off's falling off next month from FP from 2008. that's all. my payment history says excellent 95% due to the one old CS payment i don't mind waiting to make sure all 3 are obove 600. to the last person who commented are you saying to close the 2 FP and cap 1 now? that's 1,700 of credit with 0 balance i would think that would hurt my fico as my avaliable credit would drop. i believe i have around 6k total now. My thought was get a more prime card that equals close to what i would close that are at zero balance owed now. then close those down. sprt of graduating. I know charging these up hurt my score, i would have most likely been upper 600's if i played the game right right but i didn't. But i do now have my UT under 10% minus what I am AU on (wifes cards)

Not to be a bummer but you're probably not going to get prime card that equals $6k right now. I say take the advice of other members and let what you have age as frustrating as it is to deal with these bottom feeders. When you get the bump by all means go for a Cap One card. But I doubt a QS1 is going to start you out with 6K. However Cap One will do the auto CLI's for you over time. I think right now patience is going to be your best friend. Just keep in mind that your perfect payment history is going to pay off if you can hang in there and you WILL get out of this sub prime rut because of it!!!

Re: Help me Get a better card please

Vegas4Play — Mon, 11 Jul 2016 13:26:12 GMT

I would remove myself from the wife's cards as AU they are 10 months old...should see an improvement in your own AAoA just doing this.

It would also bring your utilization down, especially to those lendes that count AU accounts in their scoring systems.

I would focus on lowering your utilization as much as possible, as soon as possible...before applying for new cards (from anyone), yes you may get approved but with low limits and higher apr's.

You can close the "crappy cards" and it will not hurt your AAos but will lower your overall available credit which will hurt your utilization percentage if you dont get all the other cards way down.

JMO

Remove AU accounts

Lower Utilizatiom by paying cards down and much and quickly as possble.

Age your profile and work on the baddies.

Re: Help me Get a better card please

jjbryant3 — Mon, 11 Jul 2016 14:13:16 GMT

misun derstanding i wasnt wanting or expecting a prime card with 6k CL, i didnt want to close the sharks until i had a CL to max the shark cards. btw i woke up to a 20 point exp bump this morning cause one of the sharks i paid to 0 reported. so now im at EQ 598 TU 620 EXP 615. EQ nor TU has reported the balance of this one shark card yet, and i still and a few more cards that are due to report. if this is teh trend with paying high limit cards down to 0 i should be sitting real close to 650 across the board in july. and Auguse i am due a 500CLI with that merrick card on the 18th i believe. My hope was getting the QS1 to grow. for instnce if they gave me a 300 limit one FP closed until it grew to 1k then the next card gone, 1700 all 3 sharks closed. unless we consider merrick a shark card which i actually seem to think it's decent minus a little high APR compared to my cap1 and discover. and Fingerhut well i just like them. If you make money and buy something and do multiple payments paying off they seem to like me back. I will wait and see what EQ goes up to they aare the only score below 600 now

Re: Help me Get a better card please

jjbryant3 — Mon, 11 Jul 2016 14:21:05 GMT

Vegas my UTL by myself is sitting at 80 dollars on one 700 limit card. cap1 1,000 limit -0 FP 700 limit 0 FP 300 limit 0 finerhut 900 limit 0 kay card 400 limit 0 discover 500 limit 0 Merrick Bank 500 limit 0. i think that's all in my name. out of 5k in credit cards as of today i carried 80 dollar balance, and again was because credit one wouldnt allow me to make another payment or it would have been like 20 bucks. that's under 2% right now. i just paid my wifes cards down to under 10 percent as well but if i should still remove myself i can.