topic Re: Which Credit Cards to Apply For with a score of 710 in Credit Cards

Which Credit Cards to Apply For with a score of 710

Anonymous — Sun, 29 Nov 2009 10:45:55 GMT

Hi Guys

I just got my credit report updated, and my score raised 106 points (604 to 710) ( for some reason they were reporting wrong and I corrected them) (scores came from creditkarma however last I checked it was 604 then it jumped to 710 when credit reports were corrected, so FICO score is more than likely close to this) I have no negatives on my account, 3 accounts opened; however, since its christmas season I have a 55% Utilization but more than likely can be expected around this season.

So to save me some Inquiries, what are some reccomended credit cards I should apply for with a 710 score? Zions bank, CitiBank, TD Bank, etc. I am looking for a credit card that I can keep for a very long time to help build history. Im not a fan of HSBC, GEMB, Direct Merchants Bank, and least of all HATE World Financial Bank.

Any help would be appreciated.

Re: Which Credit Cards to Apply For with a score of 710

haulingthescoreup — Sun, 29 Nov 2009 14:09:39 GMT

Two things:

I wouldn't go app'ing until I knew either my FICO EQ or FICO TU (or both, but preferably EQ). There's really no telling what your FICO's are --CreditKarma scores can be kinda close in some cases, but way, way off in others.

I also wouldn't go app'ing until I had my util way down. You'll get much better deals and greater chances of acceptance if you first shine up your reports by reducing the util. Otherwise, you run the risks of more rejections and of getting stuck with go-nowhere cards with built-in low CL's that won't grow with you.

What are you looking for in a CC (rewards, low APR, BT, etc.), other than just having another CC? It helps to know what you want from a card.

Re: Which Credit Cards to Apply For with a score of 710

wfreeman3 — Sun, 29 Nov 2009 14:11:59 GMT

Keep in mind that CreditKarma is FAKO, and 710 could mean a lot less or a lot more in FICO terms. I would first suggest that you pull your TU FICO to know exactly where you stand if your trying to pinpoint a possible approval. If your real FICO is 710 or higher, I would recommend either Discover or PNC (National City).

Re: Which Credit Cards to Apply For with a score of 710

Anonymous — Sun, 29 Nov 2009 15:27:48 GMT

Thanks everyone for your help and kindness. I know ive posted a lot of new questions which resulted in a few topics/threads, however im new to looking at my credit.

I am going to call Equifax and possibly TransUnion to get my FICO score. I also have to ask about why my CapitalOne card says "consumer disputed meets FCRA." on the comments part. There were no lates on this credit card, and my other capitalOne Card only has 2 30 day lates (I was about 5 minutes late paying deadline - Bummer) Would this hurt my FICO score, or should I just forget about why it mentions this?

HaulingforSoup - I would really enjoy a great card with great rewards. However, I tried pre-approval of HSBC's rewards card to see if I met requirments (not to actually apply as I dont think much of HSBC)

Also one more question. If my FICO score is 710, is this a good score for someone at the age of 25.

Thanks everyone for your help. I will post back when I order my Equifax FICO scores.

Re: Which Credit Cards to Apply For with a score of 710

Anonymous — Sun, 29 Nov 2009 16:10:10 GMT

Sorry I forgot to finish the statement:

HaulingforSoup - I would really enjoy a great card with great rewards. However, I tried pre-approval of HSBC's rewards card to see if I met requirments (not to actually apply as I dont think much of HSBC) But I got denied their rewards card with no annual fee. I got pre approved for their 2% cash back card with a $59 annual fee though.

Re: Which Credit Cards to Apply For with a score of 710

haulingthescoreup — Sun, 29 Nov 2009 22:26:11 GMT

It's up to you whether the 2% cashback makes the $59 AF worthwhile. If it were your go-to card, and you used it a lot, it might. You'd have to charge $2,950 each year just to recoup the $59, but again, that might be peanuts if you ran everything through it --gas, groceries, cell phone, etc etc.

As for where to get your scores, yes, you can easily get your EQ FICO directly from Equifax. For your TU FICO, you'd have to go to www.transunioncs.com (note the cs at the end.) The regular TransUnion site will sell you your FAKO instead. Otherwise, you can get both scores here at myFICO. Click on the products page. If you just buy the scores, without going through Score Watch or Suze, be sure to save the scores and reports to disk and/or print them out, because they only display for 30 days or so.

Re: Which Credit Cards to Apply For with a score of 710

Watchmann — Sun, 29 Nov 2009 23:20:06 GMT

@Anonymous wrote:
Sorry I forgot to finish the statement:

HaulingforSoup -

Ha, that's an interesting misread. Maybe "Hauling for Soup" now works for Campbell's Soup Company.

Re: Which Credit Cards to Apply For with a score of 710

haulingthescoreup — Mon, 30 Nov 2009 02:45:13 GMT

I always enjoyed it when spell check suggested that my name be "Hallucinogens" instead.

Re: Which Credit Cards to Apply For with a score of 710

Anonymous — Mon, 30 Nov 2009 04:09:21 GMT

Whoops. Sorry about that Haulingthescoreup. Ironically enough I was eating soup when typing, so I must of though soup. Ha ha. Funny though.

Re: Which Credit Cards to Apply For with a score of 710

Anonymous — Mon, 30 Nov 2009 14:17:27 GMT

@Anonymous wrote:
Whoops. Sorry about that Haulingthescoreup. Ironically enough I was eating soup when typing, so I must of though soup. Ha ha. Funny though.

Haha, thanks for the monday morning laugh. Be careful when you type some important mail while eating.

Re: Which Credit Cards to Apply For with a score of 710

haulingthescoreup — Tue, 01 Dec 2009 00:59:24 GMT

whiteSoxrules wrote:
Whoops. Sorry about that Haulingthescoreup. Ironically enough I was eating soup when typing, so I must of though soup. Ha ha. Funny though.

No prob. It's probably a good thing that you weren't eating hallucinogens...

Actually, come to think of it, that might explain some of the odder posts we get around here!

Anyway, if I had had any idea back when I joined the forums that I would become such a motormouth, I certainly would have gotten a more useful user name. As it is, I usually go by hauling or HTSU.

Re: Which Credit Cards to Apply For with a score of 710

BungalowMo — Tue, 01 Dec 2009 01:20:25 GMT

@haulingthescoreup wrote:
I always enjoyed it when spell check suggested that my name be "Hallucinogens" instead.

OMG....that cracked me up!!!!!!!

Re: Which Credit Cards to Apply For with a score of 710

Anonymous — Wed, 02 Dec 2009 00:44:27 GMT

@haulingthescoreup wrote:
It's up to you whether the 2% cashback makes the $59 AF worthwhile. If it were your go-to card, and you used it a lot, it might. You'd have to charge $2,950 each year just to recoup the $59, but again, that might be peanuts if you ran everything through it --gas, groceries, cell phone, etc etc.

As for where to get your scores, yes, you can easily get your EQ FICO directly from Equifax. For your TU FICO, you'd have to go to www.transunioncs.com (note the cs at the end.) The regular TransUnion site will sell you your FAKO instead. Otherwise, you can get both scores here at myFICO. Click on the products page. If you just buy the scores, without going through Score Watch or Suze, be sure to save the scores and reports to disk and/or print them out, because they only display for 30 days or so.

If I remember right, the non-zero fee 2% HSBC cards have a maximum spending on which the 2% is earned, and that makes it a pretty useless proposition IMO. Any old 1% card just sounds more honest than that.