topic Re: Best unsecured credit card in Credit Cards

Best unsecured credit card

Anonymous — Sun, 07 May 2017 18:46:49 GMT

Hi i am new. I have recently gotten my credit score up to 667. All of my cards are secured. I have 3 capital1, citi, and first premier. The highest limit is $700..I only have had my cards 1 year. Am I finally ready for a unsecured cc. I will like a higher cl. My overall credit amount now is 1500. If so who do you guys recommend. Ty

Re: Best unsecured credit card

MrDisco99 — Sun, 07 May 2017 20:46:47 GMT

You probably qualify for a C1 platinum with no security deposit. They might even convert your secured card if you ask. That's a good one to build your credit with, as it has no annual fee and a sane fee structure. The website and app are convenient. Also they'll increase your limit if you're good on payments for like 5 months.

Stay away from Credit One or First Premier.

Re: Best unsecured credit card

Anonymous — Sun, 07 May 2017 20:59:27 GMT

@Anonymous wrote:
Hi i am new. I have recently gotten my credit score up to 667. All of my cards are secured. I have 3 capital1, citi, and first premier. The highest limit is $700..I only have had my cards 1 year. Am I finally ready for a unsecured cc. I will like a higher cl. My overall credit amount now is 1500. If so who do you guys recommend. Ty

Welcome to the forums Jayden.

Is your credit score FICO or Vantage? What baddies do you still have on your reports, if any? Discover card could be a possibility, also Cap 1 or Barclays who likes a year of payment history. More info is needed.

Re: Best unsecured credit card

Anonymous — Sun, 07 May 2017 23:41:58 GMT

I have a sprint account that is in collection that is not mine. I have Lexington law working on taking it off. Other than that I have nothing on my credit file but those 4 things. I have never missed a payment or been late. Less than 5%utl on citi 0 balance on other 2 cards.

Re: Best unsecured credit card

Anonymous — Sun, 07 May 2017 23:46:30 GMT

What do you recommend Mr Disco99 Is it to late seeing as though I have had both cap1 and first premier for a year as my starter cards.

Re: Best unsecured credit card

UncleB — Mon, 08 May 2017 04:18:17 GMT

@Anonymous wrote:
I have a sprint account that is in collection that is not mine. I have Lexington law working on taking it off. Other than that I have nothing on my credit file but those 4 things. I have never missed a payment or been late. Less than 5%utl on citi 0 balance on other 2 cards.

Hi @Anonymous, and welcome to myFICO!

I don't want to derail your thread, but you might consider starting an additional thread in the General Credit Topics section regarding your Sprint issue. If it's not your account, it shouldn't require a credit repair service (and the costs that go with it) to get things cleared up. There are lots of people there who might be able to steer you in the right direction, and it might not be as difficult as you think.

Once that Sprint issue is cleared up, you might be shocked at how many options you'll have.