topic Re: Other than Capital One in Credit Cards

Other than Capital One

Carloscda40 — Sun, 01 Oct 2017 23:59:59 GMT

Once score reaches say 650 what are some good cards other than Cap 1 cards?

Re: Other than Capital One

Anonymous — Mon, 02 Oct 2017 00:17:47 GMT

What does your profile look like? Baddies? AAOA? How many current lines open? Utilization?

Re: Other than Capital One

Anonymous — Mon, 02 Oct 2017 12:19:11 GMT

Where are you getting your credit scores from?

Re: Other than Capital One

Shooting-For-800 — Mon, 02 Oct 2017 17:53:57 GMT

Barclay and Merrick are both fine.

whats wrong with Cap One?

Blacklisted?

One of the few decent companies that offer the full range of cards.

They treat me like a king and I started at 0 after BK.

YMMV

Re: Other than Capital One

LadyJEsq — Mon, 02 Oct 2017 19:24:57 GMT

I would suggest Discover and Barclay as well. Also, C! is pretty good at giving people second chances, so if that's the reason you're not asking about them, I'd say don't count them out.

Re: Other than Capital One

Carloscda40 — Mon, 02 Oct 2017 22:48:45 GMT

Ok as of now my score is 570 via DiscoverIT which I have(Secured) along with yes I know a CreditOne card, Merrick Bank, Open Sky.

I also have a car note. Working on trying to get my score near 700 by this time next yr hopefully.

And I have 2 old Cap 1 cards from like 6yrs ago that I messed up. Was debating to pay them off or let them fall off my credit report?

Re: Other than Capital One

Anonymous — Tue, 03 Oct 2017 01:11:20 GMT

Well, the ethical answer is you should always pay your debts, but you are 1 year from that falling off anyway...

Don't count Cap1 out completely. They are one of the more forgiving lenders. I'm not sure exactly what their parameters are for letting back in, but maybe someone will come along that can give you more info for that.

650 does seem to be the area that more doors open. I got AmEx BCE in that range, along with CFU.

Re: Other than Capital One

Anonymous — Tue, 03 Oct 2017 01:20:00 GMT

@Carloscda40 wrote:
Once score reaches say 650 what are some good cards other than Cap 1 cards?

You might be able to reach for the Citi ThankYou Preferred.

Re: Other than Capital One

Anonymous — Tue, 03 Oct 2017 02:26:29 GMT

I burned Cap1 when I was 18 fresh out of HS luckily it was only for like 650$ or so and I paid it over about 6 years later and last year I applied for their Platinum MC and they let me in and I just upgraded it or however you say it to a QS. They have been pretty stingy with CLI's and I just got the steps increase so waiting awhile before asking. But if you burned Cap1 they might let you back in as they approved me last year with a 580 Credit score. My Credit score is up to 645 or hovering around that between all three reports and Discover approved me for a card about a month ago for the Discover IT.

Re: Other than Capital One

Meanmchine — Tue, 03 Oct 2017 02:46:10 GMT

At FICO EX 650, you can start lurking around the Amex prequal webpage

Re: Other than Capital One

LadyJEsq — Tue, 03 Oct 2017 12:44:21 GMT

@Meanmchine wrote:
At FICO EX 650, you can start lurking around the Amex prequal webpage

Lurking, ha like a shark looking for chum in the water.

But in all seriousness OP, I wouldn't be surprise if C1 would give you a second chance even though you've burned them. And as other posters here have noted, you may be able to get in with them now. If so, it'll help boost your score and you may be able to reach your 650 goal a lot sooner. Have you checked out their prequal page? They're generally pretty solid, so if they show a CC with a firm APR, I would suggest apping. Best of luck in whatever you decide.

Re: Other than Capital One

Carloscda40 — Tue, 03 Oct 2017 22:57:17 GMT

No dice on Cap 1 pre qulify.

Re: Other than Capital One

LadyJEsq — Tue, 03 Oct 2017 23:15:38 GMT

If that's the case, since C1 triple pulls, I wouldn't app until the collections fall off or you get a prequal.

Re: Other than Capital One

Anonymous — Wed, 04 Oct 2017 00:43:05 GMT

@Carloscda40 wrote:
Ok as of now my score is 570 via DiscoverIT which I have(Secured) along with yes I know a CreditOne card, Merrick Bank, Open Sky.

I also have a car note. Working on trying to get my score near 700 by this time next yr hopefully.

And I have 2 old Cap 1 cards from like 6yrs ago that I messed up. Was debating to pay them off or let them fall off my credit report?

I had a 6 year old Cap One Charge off showing on my report that was updating monthly and a 528 FICO and they approved me and i am pretty sure that I now could get any card they offer. They don't hold grudges.

Re: Other than Capital One

Anonymous — Wed, 04 Oct 2017 18:31:29 GMT

@Meanmchine wrote:
At FICO EX 650, you can start lurking around the Amex prequal webpage

This. Got an Amex BCE, premiere rewards gold & platinum online pre-approvals when my scores were in the 670 range but I started getting blue cash pre-approvals via physical mail when my scores edged into the 650 range. Those mail offers from Amex were actually my cue to start the pre-application FICO micromanagement process since I figured if I'm good enough for Amex I'm probably good for the other cards I wanted. Ended up being right about that.

Re: Other than Capital One

Anonymous — Wed, 04 Oct 2017 21:40:52 GMT

How about Synchrony Bank, such as Paypal 2% MC, Walmart MC and much more ? They grow so fast for SL if you treat them nicely and your score improve up to 700ish in the future.