topic re apply for same card in Credit Cards

re apply for same card

from500to700 — Sun, 24 Mar 2013 21:24:51 GMT

I have a question if I get denied credit by chase, city,discover,Barclays,amex. How long I have go wait to re apply for them to have a chance for approval
Thank you

Re: re apply for same card

09Lexie — Sun, 24 Mar 2013 21:26:50 GMT

Are you thinking about applying to them? If your scores are accurate, I would be more concerned with correcting whatever baddies you have on your CR's.

Re: re apply for same card

Anonymous — Sun, 24 Mar 2013 21:27:36 GMT

3 months will be safe but 6 months would be better

Re: re apply for same card

j_casteel — Sun, 24 Mar 2013 21:28:04 GMT

30-60 days after denial.....but i would wait til your scores are better.

Re: re apply for same card

Anonymous — Sun, 24 Mar 2013 21:44:41 GMT

auch i didnt see the scores were that low

No dont even think about it befor you establish some more credit history with other lenders like Capitalone or even some other GE cards

Re: re apply for same card

from500to700 — Mon, 25 Mar 2013 00:27:03 GMT

Thank you all , My goal is to improve my score wait for 6 month then re apply ,

danielodonoll what are the GE cards ?

Re: re apply for same card

LS2982 — Mon, 25 Mar 2013 00:30:03 GMT

@from500to700 wrote:
I have a question if I get denied credit by chase, city,discover,Barclays,amex. How long I have go wait to re apply for them to have a chance for approval
Thank you

Your score is too low for any of those cards. I would suggest getting a secured card from Cap1 and start there.

Also, where did you get your EX score?? Did you get the EQ/TU from here?

Re: re apply for same card

Rhaeny — Mon, 25 Mar 2013 00:48:30 GMT

@LS2982 wrote:
@from500to700 wrote:
I have a question if I get denied credit by chase, city,discover,Barclays,amex. How long I have go wait to re apply for them to have a chance for approval
Thank you
Your score is too low for any of those cards. I would suggest getting a secured card from Cap1 and start there.

Also, where did you get your EX score?? Did you get the EQ/TU from here?

Absolutely correct!

Your scores are way too low to even think about prime cards. You can start with Cap1 or your local CU for a secured card. Just make sure if you use a local CU that they report to all three. There is a CU that does not approve based on credit and that is SDFCU. All you have to do is open up your membership and deposit money in the account and you've got your card. I would try that first since they are not credit based. Here is there website: https://www.sdfcu.org/. Call in to do your secured card because anything you do online is an HP.

Get that one secured card and then work on cleaning your credit and keeping your utilitiy down. The problem with toy limits is that you have to keep making multiple payments monthly to keep your balance low so try to open a secured with at least $1k if you can. It will really help you in the long run because bigger limits begets you much bigger limits.

Re: re apply for same card

phoenix_one — Mon, 25 Mar 2013 01:14:10 GMT

Those card are off limits with your current credit history. You are years away from those cards.

You got to have better credit portfolio than two $200 secured cards.

That's without taking in consideration if there's any derogatory info in your three credit reports.

Sorry if sound blunt but from your score and available credit you should not be worrying right now about applying for prime cards.

Should should be building from what you have available, clear any possible bad info on your CR and rise your score.

Re: re apply for same card

from500to700 — Mon, 25 Mar 2013 01:47:06 GMT

I need to update My limit on those 2 secured card they are 3000 on Cap 1 and 5000 on applied bank , i open them with 200 each

what score is needed for prime cards ?

Re: re apply for same card

09Lexie — Mon, 25 Mar 2013 01:50:20 GMT

It depends, some have been approved with mid- high 600's. even at 700- higher some can be declined- depends on your cr profile, util, inq's , baddies etc.

Re: re apply for same card

myjourney — Mon, 25 Mar 2013 03:33:52 GMT

You have 2 TL's reporting which is fine in your case. What you should do now is work on those baddies.

If you can get them removed I would bet on 2 things

(1) your scores will soar

(2) when approved you would see higher limit cards

Re: re apply for same card

Anonymous — Mon, 25 Mar 2013 16:02:52 GMT

@from500to700 wrote:
Thank you all , My goal is to improve my score wait for 6 month then re apply ,

danielodonoll what are the GE cards ?

Sorry about the delay.

Ge cards are the cards ge finance like Walmart Paypal mastercard Banana republic,old navy etc.