topic Re: Credit Card with Below Average/Average FICO Score in Credit Cards

Credit Card with Below Average/Average FICO Score

Anonymous — Tue, 13 Apr 2010 22:05:42 GMT

Does anyone know of an unsecured credit card I can apply for with the following FICO scores:

FICO TU : 677

FICO EQ: 629

I'm in Sales, and the company does not issue company cards to entertain clients. I only have a secured account with Bank of American with a credit limit of $500. The $500 limit is not enough for me to use for travel and client entertainment expenses.

I feel like the only option I have is to make wait until my FICO score improves to apply for a card, but that could take 2 years.

Any feedback or experience is much appreciated.

Re: Credit Card with Below Average/Average FICO Score

Breakthecycle2 — Tue, 13 Apr 2010 22:48:26 GMT

Capital One for starters

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Tue, 13 Apr 2010 23:08:00 GMT

HSBC , you can see if you qualify without hard inquiry

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 01:33:28 GMT

I have to say the Best Buy Rewardzone Mastercard. I got that card with a $4000 limit back in October with a lower score than you. This is also an HSBC card. There is a preapproval link around in these forums somewhere. Shouldn't be hard to find.

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 15:41:03 GMT

Thanks all. I'll apply and keep you posted!

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 15:50:48 GMT

A-M-A-Z-I-N-G!

I just got approved after I applied for the Best Buy Rewards Mastercard.

They said they will mail me my card and the details of my card in 7-14 business days. Hopefully I will have a high enough credit limit for me to charge my work related travel expenses/client entertainment.

Thanks everyone!

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 16:17:48 GMT

Have you gone to the HSBC site to see if they have the credit limit already? Mine showed up like an hour later.

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 17:24:58 GMT

Yup! I just checked and its $500. It's better than nothing. . At least I'll have 2 credit cards on my credit history now.

Thanks for all your help.

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Wed, 14 Apr 2010 18:50:52 GMT

You might look here, you can filter by FICO score. Don't know if other myficos have had experiences with this list.

http://www.myfico.com/LoanCenter/Offers/CreditCards.aspx

You might consider a credit union. Among other things, you can probably talk to someone directly about what they offer that would work for you.

If you're thinking about a secured card, USAA offers one that you can back up to $1500. Also, you might even qualify for a card with them.

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Thu, 15 Apr 2010 18:40:50 GMT

Thanks Jack for the link to see credit cards by credit score. Also, I don't think I can qualify for USAA as none of my relatives have served in the US military.

Re: Credit Card with Below Average/Average FICO Score

Anonymous — Thu, 15 Apr 2010 18:55:57 GMT

One of the classes of people that USAA offers services to is "other individuals":

"USAA's investment products, most checking and savings products, credit cards, life insurance, and shopping and discounts are available to other individuals. While auto and property insurance policies are not available due to membership eligibility requirements, we can still help."

https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose_usaa_eligibility_main&wa_ref=wcu_main_is_usaa_for_you

I would say something about how these days they're just letting any old kind of riff-raff, but they pretty much blew their standards the day they let me in.