topic Re: Credit Card Approval (currently on have Orchard) in Credit Cards

Credit Card Approval (currently on have Orchard)

Anonymous — Tue, 18 May 2010 15:10:32 GMT

Well first off years ago I messed up my credit by getting into $1500 in card debt (which I recently paid off). The only card I got approved for (after applying for several) was an Orchard Bank for $300 and a Macys for $100. My Fico score is 660 and I'd like to get atleast one more card to start rebuilding my credit. Any advice?

Re: Credit Card Approval (currently on have Orchard)

tray — Tue, 18 May 2010 15:15:53 GMT

Have you tried the preapproval site for a Capital One card, you can use the card for rebuilding and it does offer the credit steps program for cli's. And it is a soft pull at first if you are preselected for any card, and if you actually go for it a hard pull does result then. Good Luck

Re: Credit Card Approval (currently on have Orchard)

Anonymous — Tue, 18 May 2010 15:18:55 GMT

Hi mhart,

If you've apped for several other cards, I'd consider letting your two newbies age for six months before apping for anything else.

I liked my Orchard for rebuilding (in spite of their AF), especially if you monitor your account online. Macy's is a bit of a stinker right now because they no longer report CL's, but I still like my Macy's card and its accompanying coupons. For Macy's, it's best to PIF, they have a terrible interest rate.

Congrats on your new cards! Very nicely done!!!