topic Re: Best High 600 card? in Credit Cards

Best High 600 card?

Anonymous — Sat, 26 Jan 2008 05:46:18 GMT

I'm at high 600 now. Got here somehow without credit cards. I want to push on but am hoping for a low apr and zero fee card. Can I get one like this with a high 600s FICO score? Which ones should I shoot for? I want them strictly to increase me scores and TLs.

Re: Best High 600 card?

Anonymous — Sat, 26 Jan 2008 07:03:21 GMT

Your scores look very good. If not opted out, why not try the soft pull, or pre-approval with BoA to see what they may offer you without it costing you in inquiry?

Not sure what there T/C's are but it may give you an idea...

Re: Best High 600 card?

Red1Blue — Sat, 26 Jan 2008 07:05:34 GMT

Try looking into www.financeglobe.com and www.whogavemecredit.com you can find lot of information there.

Re: Best High 600 card?

fused — Sat, 26 Jan 2008 17:48:00 GMT

beenthere wrote:

I'm at high 600 now. Got here somehow without credit cards. I want to push on but am hoping for a low apr and zero fee card. Can I get one like this with a high 600s FICO score? Which ones should I shoot for? I want them strictly to increase me scores and TLs.

WaMU, CITI, BoA, FIA and AmEx. Forget about Chase!

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 03:45:19 GMT

I suppose I could try BofA but it was BofA cards I busted on in my BK 5 years ago. I have payroll direct deposit with them now. Should I still try?

Re: Best High 600 card?

fused — Sun, 27 Jan 2008 03:51:11 GMT

beenthere wrote:

I suppose I could try BofA but it was BofA cards I busted on in my BK 5 years ago. I have payroll direct deposit with them now. Should I still try?

Since you have a BK, then only try Hooters or WaMu. Both are likely to pull TU which is your best score. YMMV though!

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 03:51:43 GMT

I've heard BK on your reports is a denial for BOA. Might call & ask them tho.

Amex is not BK friendly.

There is a thread around here for BK friendly CCs.

beenthere wrote:
I suppose I could try BofA but it was BofA cards I busted on in my BK 5 years ago. I have payroll direct deposit with them now. Should I still try?

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 03:54:19 GMT

It's a soft pull for BoA. Not sure if they are BK friendly though. Go to the site and click on the button under the "you may be approved for one of our credit cards" It will tell you if there is anything they can offer you.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 03:55:23 GMT

Ahh, Anderson beat me to it.

On that note, I would vote for Hooters!

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 03:55:51 GMT

Ahh, Anderson beat me to it.

On that note, I would vote for Hooters!

Re: Best High 600 card?

fused — Sun, 27 Jan 2008 03:57:19 GMT

I do know people who have BKs and have been approved by WaMu.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 05:28:25 GMT

What is Hooters? other than the dining establishment? Is this a bank?

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 05:33:15 GMT

Thanks Fused. There is a WaMu across the street so I may be able to check without a hard pull.

I only have one CC and it is only 4 months old. My BK is just over 5 months old but I've paid off two cars. By May I will only have two inqs (got 5 now) so I may shoot pretty high then.

Just bought a new Car last Saturday. Thats' 3 sense the BK.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 05:33:33 GMT

hooter's co-brands a master card through merrick bank. they pull tu and can be baddie friendly. google hooters master card and you'll find 'em.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 05:34:55 GMT

Thanks stef37. I'm going to look at that tonight.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 05:37:19 GMT

I'm going to look at that tonight as well dmn! Thank you.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 06:20:13 GMT

OK. Blindly aplied for Hooters. Let's see what happens.

I want 3 credit cards. This would be #2.

Can I still turn this down if I don't like the terms? They were pretty broad in scope on-line.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 07:03:47 GMT

beenthere wrote:

OK. Blindly aplied for Hooters. Let's see what happens.

I want 3 credit cards. This would be #2.

Can I still turn this down if I don't like the terms? They were pretty broad in scope on-line.

Do you mean the Hooters card? I am sure you can call when you get the card and tell them to cancel it if you don't like the terms. They can have high fee's for some, AF's...But usually give a decent CL, IMO

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 07:48:37 GMT

If the card comes with an AF that you're that hesitant to pay, you can cancel the card upon receiving it and they will not hold you responsible for paying the fee, unlike some other banks that will charge you anyway. I know because my card came with an AF and I cancelled right away instead of activating.

Re: Best High 600 card?

Anonymous — Sun, 27 Jan 2008 15:04:59 GMT

Thank you!

I'm not sure what AF means. I don't see that in the abv. section.