topic Re: Best card for thin file 752 Fico in Credit Cards

Best card for thin file 752 Fico

Brianinpa18330grh — Thu, 24 Feb 2011 15:44:22 GMT

CR only shows 2 AU accounts. 753 EQ Fico. Anyone good for an instant automated approval based on Fico? 0 inqs, 0% uit 2yr. AAoA.

Thanks

Re: Best card for thin file 752 Fico

Anonymous — Thu, 24 Feb 2011 16:00:44 GMT

@Brianinpa18330grh wrote:
CR only shows 2 AU accounts. 753 EQ Fico. Anyone good for an instant automated approval based on Fico? 0 inqs, 0% uit 2yr. AAoA.
Thanks

The Amex Zync maybe?

Re: Best card for thin file 752 Fico

tsquad131 — Thu, 24 Feb 2011 16:34:14 GMT

citi forward or amazon.com chase visa

Re: Best card for thin file 752 Fico

vish1 — Thu, 24 Feb 2011 17:06:32 GMT

i will call the bank before applying and ask them clearly if they consider only AUs to be valid history because you don't have financial responsibility there and some banks wont like that.

If you don't get a sensible answer from the frontline reps, call backdoor but dont apply unless someone indicates you that they don't mind your situation. Going to a local CU and talking to an agent there won't be a bad idea either.

Re: Best card for thin file 752 Fico

android01 — Thu, 24 Feb 2011 17:10:28 GMT

IMO, people with thin files would probably have the best luck getting a credit card where they currently bank, provided you have a good relationship and history with them.

Re: Best card for thin file 752 Fico

fused — Thu, 24 Feb 2011 17:43:01 GMT

@android01 wrote:
IMO, people with thin files would probably have the best luck getting a credit card where they currently bank, provided you have a good relationship and history with them.

Great idea!!!!!

Re: Best card for thin file 752 Fico

tsquad131 — Thu, 24 Feb 2011 17:44:19 GMT

Also try capital one its a good card to start building with

Re: Best card for thin file 752 Fico

Anonymous — Thu, 24 Feb 2011 17:47:49 GMT

@tsquad131 wrote:
Also try capital one its a good card to start building with

752 Fico is too good for CapOne IMO.

Re: Best card for thin file 752 Fico

tsquad131 — Thu, 24 Feb 2011 17:50:35 GMT

yeah but the OP has no cards in his/her own name only AU cards

Re: Best card for thin file 752 Fico

cdtotten — Thu, 24 Feb 2011 17:58:48 GMT

Exactly, just because you are the AU on a credit card with a company, does not mean you have a clean history with them... you have no history. From the CCCs eyes, you aren't a customer of theirs.

I would stick with an entry level card - capital one is good about this. Don't expect a big CL, but you have to get your foot in the door somewhere. As someone else recommended, an Amex Zync might also be a good card to start with. After 12 months, you should be able to pick up a revolver with them.

Re: Best card for thin file 752 Fico

Anonymous — Thu, 24 Feb 2011 18:32:47 GMT

I would try Nationwide. They seem to prefer a low # of TL's. Worked for me with only one other CC active only one month when I applied. I would avoid trying the Amazon Chase someone else reco'd, they like longer AAoA.

Re: Best card for thin file 752 Fico

LEXiiON — Thu, 24 Feb 2011 18:42:39 GMT

My wife was in the same situation last year in September. Only AU on my Citi and Amex, nothing else. 0% util, 0 INQ and an EQ FICO of 784. She applied for the Citi Platinum Select and got approved for a CL of $2000. However i have to admit, that we are banking at Citi. So maybe it is worth a try, before you start with Cap1.

LEXiiON

Re: Best card for thin file 752 Fico

Anonymous — Fri, 25 Feb 2011 04:26:43 GMT

You can always go to Discover and see if you preapprove before hard hit.

Re: Best card for thin file 752 Fico

tsquad131 — Fri, 25 Feb 2011 16:21:36 GMT

yeah i was the one that recon'd my aaoa was 9 months and longest history was 1 year 10 months no baddies and 18% uti and lots of inquiries

Re: Best card for thin file 752 Fico

Anonymous — Fri, 25 Feb 2011 16:31:47 GMT

concorduser posted a few threads in the past week on getting cards for their daughter who only had AU's on her account - they might be helpful to OP.

If I recall, it worked out nicely.