topic Re: What CC should I apply for? in Credit Cards

What CC should I apply for?

cwwatts1202 — Sat, 31 Mar 2012 03:03:29 GMT

I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing lol I'd really love to have a chase card or something, one of the good ones haha.

Re: What CC should I apply for?

annielorie — Sat, 31 Mar 2012 03:07:46 GMT

B4 you think of another card clean up your act take 30 days and GW PFD Hippa on medical accts . Im sure the others will chime in soon maybe and its a small maybe Cap 1 but Chase I dont think thats gonna happen with the dings What is your actual credit picture. IE when the sols are paid or not ? That might give everyone more infp to send you in the right direction.

Re: What CC should I apply for?

laz98 — Sat, 31 Mar 2012 03:09:50 GMT

Chase can be a tough cookie to crack; do you know what your scores look like right now?

Re: What CC should I apply for?

Repo-ed — Sat, 31 Mar 2012 03:10:17 GMT

@cwwatts1202 wrote:
I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing lol I'd really love to have a chase card or something, one of the good ones haha.

No unsecured prime card issuing company is going to touch you right now. DO NOT WASTE your time and take on additional INQ as well as hits to your already low FICO. Take it from us, who've been down that road.

Re: What CC should I apply for?

cwwatts1202 — Sat, 31 Mar 2012 03:13:38 GMT

@Repo-ed wrote:
No unsecured prime card issuing company is going to touch you right now. DO NOT WASTE your time and take on additional INQ as well as hits to your already low FICO. Take it from us, who've been down that road.

hence the "haha" after "i'd love a chase or one of the good ones" lol

Re: What CC should I apply for?

CreditScholar — Sat, 31 Mar 2012 03:16:47 GMT

@Repo-ed wrote:
@cwwatts1202 wrote:
I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing lol I'd really love to have a chase card or something, one of the good ones haha.
No unsecured prime card issuing company is going to touch you right now. DO NOT WASTE your time and take on additional INQ as well as hits to your already low FICO. Take it from us, who've been down that road.

+1, except my credit has always been good and always will be. Seriously though, listen to repo. No prime lender will touch you with your profile, and quite frankly it's downright awful. You've got a lot of work to do before even looking at any prime cards.

Re: What CC should I apply for?

cwwatts1202 — Sat, 31 Mar 2012 03:26:59 GMT

@CreditScholar wrote:
Repo-ed wrote:
+1, except my credit has always been good and always will be. Seriously though, listen to repo. No prime lender will touch you with your profile, and quite frankly it's downright awful. You've got a lot of work to do before even looking at any prime cards.

I'd disagree with the "downright awful" everything on it is pretty old the most recent item is from 2008. My score is 630ish across the board, not great I know. I know I can not get a prime card, apparently no one here has a sense of humor lol that's why I put "haha" after the comment about wanting a chase card..I'm just looking for someone who has expierenced this before (old baddies on their CR) who have gotten luck with an unsecured card, and which card they were able to get.

Re: What CC should I apply for?

Repo-ed — Sat, 31 Mar 2012 03:36:22 GMT

@cwwatts1202 wrote:
@CreditScholar wrote:
Repo-ed wrote:
+1, except my credit has always been good and always will be. Seriously though, listen to repo. No prime lender will touch you with your profile, and quite frankly it's downright awful. You've got a lot of work to do before even looking at any prime cards.
I'd disagree with the "downright awful" everything on it is pretty old the most recent item is from 2008. My score is 630ish across the board, not great I know. I know I can not get a prime card, apparently no one here has a sense of humor lol that's why I put "haha" after the comment about wanting a chase card..I'm just looking for someone who has expierenced this before (old baddies on their CR) who have gotten luck with an unsecured card, and which card they were able to get.

Where did you get your scores from?

I do have a pretty good sense of humor. It has just escaped me. I'm running on less than fumes.

Re: What CC should I apply for?

cwwatts1202 — Sat, 31 Mar 2012 03:41:08 GMT

lol no worries, I got them from here and expieran. Had several collections deleted in Oct. of last yr and had a 29 point increase and I meant to type 620ish not 630ish, my bad. Experian gave me a 616, I know thats a fako though.

Re: What CC should I apply for?

Repo-ed — Sat, 31 Mar 2012 03:44:40 GMT

@cwwatts1202 wrote:
lol no worries, I got them from here and expieran. Had several collections deleted in Oct. of last yr and had a 29 point increase and I meant to type 620ish not 630ish, my bad. Experian gave me a 616, I know thats a fako though.

Ok, cool.

Have you signed up for any CMS or SW?

Re: What CC should I apply for?

Anonymous — Sat, 31 Mar 2012 04:04:12 GMT

One of the basic Capital One cards maybe.. I managed to get the Journey one for college students as I'm back in school. My scores are pretty mediocre and I hadn't really had an open line of credit in 3 years. Capital One or maybe a store card issued by WFNNB, those seem to be really easy to get.

Ones I've tried and failed at are the Discover More student, Walmart, Gymboree store card and Barclay Barnes and Nobles.

Re: What CC should I apply for?

CreditScholar — Sat, 31 Mar 2012 04:58:25 GMT

@Anonymous wrote:
One of the basic Capital One cards maybe.. I managed to get the Journey one for college students as I'm back in school. My scores are pretty mediocre and I hadn't really had an open line of credit in 3 years. Capital One or maybe a store card issued by WFNNB, those seem to be really easy to get.

Ones I've tried and failed at are the Discover More student, Walmart, Gymboree store card and Barclay Barnes and Nobles.

I stand corrected here then. I only saw your first post and I figured based on that info you'd be in the upper-500s. 620-630 isn't that bad, and if you work on it for another 6-12 months you'll probably be heading towards 650+.

Re: What CC should I apply for?

LS2982 — Sat, 31 Mar 2012 11:01:58 GMT

@CreditScholar +1