topic Re: Score of 611- which card in Credit Cards

Score of 611- which card

Anonymous — Wed, 12 Feb 2014 20:01:30 GMT

What would be my best bet to get approved for a credit card with a score of 611? I was looking at Capitol one but heard that discover is a better choice with a lower score?

Re: Score of 611- which card

killer_queen229 — Wed, 12 Feb 2014 20:05:44 GMT

Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards.

Re: Score of 611- which card

PlasticOrPlastic — Wed, 12 Feb 2014 20:05:54 GMT

Depending on the rest of your history you might not get the Discover. I apped at around a 640 and was denied, tried again in the 660's and got it. YMMV here.

Re: Score of 611- which card

Anonymous — Wed, 12 Feb 2014 20:10:18 GMT

I don't have much of a history. Never had a credit card...I'm just now trying to build up my credit.

Re: Score of 611- which card

baller4life — Wed, 12 Feb 2014 20:14:41 GMT

@killer_queen229 wrote:
Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards.

Bank of America has a great secured card that graduates. Try not to waste inquiries right now with your score being on the low end.

Re: Score of 611- which card

killer_queen229 — Wed, 12 Feb 2014 20:15:45 GMT

@baller4life wrote:
@killer_queen229 wrote:
Get a secured card from a local bank or credit union, put a deposit down and that will help you with your credit history so you can get great cards.
+1
Bank of America has a great secured card that graduates. Try not to waste inquiries right now with your score being on the low end.

Couldn't even get a Discover card after having my secured card for 4 months.

Re: Score of 611- which card

Creditaddict — Wed, 12 Feb 2014 20:27:01 GMT

@Anonymous wrote:
What would be my best bet to get approved for a credit card with a score of 611? I was looking at Capitol one but heard that discover is a better choice with a lower score?

If you have no credit cards, what is on your report to give you the score?

from where did you get the score?

Re: Score of 611- which card

PlasticOrPlastic — Wed, 12 Feb 2014 20:27:24 GMT

I'd try for a Capital One unsecured personally. They have a rewards card for building credit, it gives you an auto CLI after 6 months of ontime payments. It was a decent card when I was trying to rebuild credit. If you don't get it you can always recon thru Cap1 EO and more than likely get something (even $500 isn't a bad start). Its worth a try, and while your at it maybe run your info through a few pre-qualified websites (discover, cap1, Barclay, chase, citi). Obviously some of them wont have anything just yet but it'll give you an idea of where you're at.

Re: Score of 611- which card

Anonymous — Wed, 12 Feb 2014 20:55:06 GMT

I checked credit karma for my score. I have student loans and a car payment on my credit.

Re: Score of 611- which card

Anonymous — Wed, 12 Feb 2014 20:58:15 GMT

I just got approved for a Capitol One card! I have a new question... If I add my husband as a authorized user will the credit card be reported to his credit as well?

Re: Score of 611- which card

PlasticOrPlastic — Wed, 12 Feb 2014 21:05:18 GMT

Yes it will and congrats on the Capital One card! Unsecured I'm assuming?

Edit: Take your Credit Karma scores with a grain of salt. You want to check your FICO score (this can be done on this site for a price). My Credit Karma shows my score at 606, but my Discover Card shows my fico at 663, big difference!

Re: Score of 611- which card

Creditaddict — Wed, 12 Feb 2014 21:02:56 GMT

@Anonymous wrote:
I just got approved for a Capitol One card! I have a new question... If I add my husband as a authorized user will the credit card be reported to his credit as well?

yes.

did you get approved for what capital one card? limit?

Re: Score of 611- which card

diebadcredit6504 — Wed, 12 Feb 2014 21:13:37 GMT

Congrats! I applied in Dec and got denied...

Re: Score of 611- which card

Creditaddict — Wed, 12 Feb 2014 22:28:20 GMT

@diebadcredit6504 wrote:
Congrats! I applied in Dec and got denied...

with a 635 you could probably get many of the GE backed Cards, Walmart, Chevron, 76 Card, PayPal MC (might get paypal smart connect)

capital one pulls all 3 but I believe usually end up usingt EQ for decision of CL and such (that was the case for my Sony Card and Kohls which did not pull all 3)

Re: Score of 611- which card

Anonymous — Thu, 13 Feb 2014 00:28:12 GMT

It watithe quicksilver card. The limit is only $300, but I have to start somewhere right? Thanks everyone for your help/advice. I will definitely whet my FICO score and see if there's a difference.