topic Re: Credit Score List! in Credit Cards

Credit Score List!

Tommy5746 — Wed, 22 Feb 2012 21:16:38 GMT

Of course, these are all basic assessments from what we see on the boards and from data collected from various others sites and from personal experience… MANY other factors come into play when applying for a credit card.. But you can use this list below to generate a good consensus of what your credit score should look like before applying..

This is just a small list to get started.. But the more you guys chime in and throw numbers around the bigger the list will be and the more information wil be available to use!

American Express

Zync – 650 +

Green – 650 +

Gold – 700 +

Gold Premium Rewards – 725 +

Platinum - 750 +

Blue Card – 720 +

Capital One

Classic Platinum – 580 +

Average Cash Rewards – 620 +

Venture Rewards – 690 +

Chase

Freedom – 650 +

Slate – 680 +

Sapphire – 700 +

Sapphire Preferred – 750 +

Citi Forward – 630 +

Diamond Preferred – 650 +

Add More!

Re: Credit Score List!

afbar1114 — Wed, 22 Feb 2012 21:18:07 GMT

@Tommy5746 wrote:
Of course, these are all basic assessments from what we see on the boards and from data collected from various others sites and from personal experience… MANY other factors come into play when applying for a credit card.. But you can use this list below to generate a good consensus of what your credit score should look like before applying..

This is just a small list to get started.. But the more you guys chime in and throw numbers around the bigger the list will be and the more information wil be available to use!

American Express

Zync – 650 +
Green – 650 +
Gold – 700 +
Gold Premium Rewards – 725 +
Platinum - 750 +
Blue Card – 720 +

Capital One

Classic Platinum – 580 +
Average Cash Rewards – 620 +
Venture Rewards – 690 +

Chase

Freedom – 650 +
Slate – 680 +
Sapphire – 700 +
Sapphire Preferred – 750 +
Citi Forward – 630 +
Diamond Preferred – 650 +

Add More!

i got the slate with a 680 and alot of inqs and only a 500 CL i wonder if i got the freedom would i have gotten a higher CL

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 21:19:27 GMT

im firm beliver that AMEX is more about income vers scores. i have 5, yes 5 AMEX and i touched 700 only on my BCP approval (where i got the highest APR).

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 21:22:18 GMT

Thanks for the list. Very helpful!

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 21:22:46 GMT

I know you should be able to get these cards with lower scores but here were mine when I was approved.

Discover More - 755 EQ

Chase United Mileage Plus Explorer - 768 TU

Re: Credit Score List!

zan987 — Wed, 22 Feb 2012 21:26:43 GMT

Thansk for the list! It answers one of my many questions.

Re: Credit Score List!

payingoffdebt001 — Wed, 22 Feb 2012 21:26:29 GMT

Good list - keep it coming!

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 21:31:48 GMT

@Tommy5746 wrote:
Of course, these are all basic assessments from what we see on the boards and from data collected from various others sites and from personal experience… MANY other factors come into play when applying for a credit card.. But you can use this list below to generate a good consensus of what your credit score should look like before applying..

This is just a small list to get started.. But the more you guys chime in and throw numbers around the bigger the list will be and the more information wil be available to use!

American Express

Zync – 650 +
Green – 650 +
Gold – 700 +
Gold Premium Rewards – 725 +
Platinum - 750 +
Blue Card – 720 +

Capital One

Classic Platinum – 580 +
Average Cash Rewards – 620 +
Venture Rewards – 690 +

Chase

Freedom – 650 +
Slate – 680 +
Sapphire – 700 +
Sapphire Preferred – 750 +
Citi Forward – 630 +
Diamond Preferred – 650 +

Add More!

This is great to see. It will be a hepful barometer for those seeking to establish and build credit over time. I have always wanted something like this.

Re: Credit Score List!

Creditaddict — Wed, 22 Feb 2012 22:15:27 GMT

@Tommy5746 wrote:
Of course, these are all basic assessments from what we see on the boards and from data collected from various others sites and from personal experience… MANY other factors come into play when applying for a credit card.. But you can use this list below to generate a good consensus of what your credit score should look like before applying..

This is just a small list to get started.. But the more you guys chime in and throw numbers around the bigger the list will be and the more information wil be available to use!

American Express

Zync – 650 +
Green – 650 +
Gold – 700 +
Gold Premium Rewards – 725 +
Platinum - 750 +
Blue Card – 720 +

Add More!

It has been pretty much proven over and over again with application approvals with Amex aside from being offered the $500 Hard Limit Zync that regular Zync through Plat. will be approved at the same score for all. I have seen Gold Premium Rewards approved with 642 TU (they pulled both EX and TU). It's just more money to Amex with Charge Cards... If they don't want you spending more than $1000 it's not going to matter if you have Zync or Plat. you won't get higher then $1k spending.

And Capital One that is a little closer general rule I think but I have seen 532 get approved for the $300 basic card.

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 22:18:24 GMT

Chase Freedom must be harder to get than Slate. I am trying to PC my Slate to Freedom and they're telling me I cannot UPGRADE.

Re: Credit Score List!

afbar1114 — Wed, 22 Feb 2012 22:23:26 GMT

how long have you had slate

Re: Credit Score List!

suebee123 — Wed, 22 Feb 2012 22:25:02 GMT

Got AMX Gold Preferred charge with 640 Exp. Fico and Discover with 660 TU and 677 Eq Fico.

Re: Credit Score List!

SoulMaster — Wed, 22 Feb 2012 22:38:01 GMT

I got the Disco More when I was hovering 650. They pulled and said 633. Also have a BK.

Now, I'm 670 and AMEX won't approve because of the BK.. you might want to put an asterisk letting people know that CScore is only one factor. Not that we don't know that here, but I'd guess this will show up on an internet search pretty quickly and someone might get the wrong idea (reading only the one post) then get mad at us.

-SM

Re: Credit Score List!

SoulMaster — Wed, 22 Feb 2012 22:38:48 GMT

Also, I got my Barlcays apple ~660.

-SM

Re: Credit Score List!

Anonymous — Wed, 22 Feb 2012 23:12:51 GMT

One of the best resources to get a snapshot of cardholder statistics is actually Credit Karma. The TU score they provide is a FAKO but it should still give some relative perspective about what the range of scores is for a particular card, as well as a whole bunch of other useful distributions for credit limit, age of cardholder, average debt, etc. These stats are an aggregate of all their users with this card reporting so even if the score is not 100% accurate the other info is.

Here's an example of a popular card on this forum: Blue Cash Everyday (sample size = 431)

http://www.creditkarma.com/creditcard/CCAmericanExpressCard54

http://reviews.creditkarma.com/credit-cards/CCAmericanExpressCard54/1/

Average score: 732

Lowest score: 650

Score distribution:

50% above 750

30% 701-750

16% 651-700

3% 650 or below

There are other graphs for average credit line by score, etc.

Re: Credit Score List!

Brian_Trying_700 — Wed, 22 Feb 2012 23:24:51 GMT

Zync 556 here. October 2011

Re: Credit Score List!

Anonymous — Thu, 23 Feb 2012 00:51:10 GMT

@afbar1114 wrote:
how long have you had slate

1 year and 1 month

Re: Credit Score List!

911gt34life — Thu, 23 Feb 2012 01:02:57 GMT

why you list citi under chase ?

Re: Credit Score List!

sandman2435 — Thu, 23 Feb 2012 01:26:29 GMT

I think it all depends who looks at your app..and if u get turned down and who u get to recon your app...Im at about 720 on all 3 and still can not get a prime citi card...or a penfed visa...so Im done applying...and I have had credit for 21 years and owe nothing on any cards as I pay in full every month and have a 6 figure income...I really think banks don't like seeing to much applying for too much credit at once they seem to get kinda spooked about it

Re: Credit Score List!

Anonymous — Thu, 23 Feb 2012 01:34:45 GMT

@Brian_Trying_700 wrote:
Zync 556 here. October 2011

Did they give you NPSL or the $500 limit?