ADVICE ON WHICH CARD TO APPLY FOR AND APPROVAL ODDS

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

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Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

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Many do including Capital One if you are interested in any of their other cards.  A big negative though is that Capital One likes to pull all 3 bureaus for credit applications.  Some only pull a single bureau.

Some of the sites that have prequalifiers:

US Bank

Capital One

Amex 

Discover

Chase

Citi

[Anonymous]

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@Anonymous wrote:
The most accurate answer is that we do not know. Like the final resting place of the Roswell aliens, the Fico algorithms are well guarded secrets. If your file is thin, new accounts and inquiries can move the total score more easily than for a thick file.
However, given the scores you listed you have room to absorb that.
No one can predict the future with certainty but my thought would be to start with one new card and let that build a little history before getting a second card.

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Ok, Thank you, 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

---

Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

---

Many do including Capital One if you are interested in any of their other cards.  A big negative though is that Capital One likes to pull all 3 bureaus for credit applications.  Some only pull a single bureau.

Some of the sites that have prequalifiers:

US Bank

Capital One

Amex 

Discover

Chase

Citi

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I would prefer not having all 3 pulled. I will look at the sites above.  Thank you, for your advice and suggestions

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

---

Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

---

Many do including Capital One if you are interested in any of their other cards.  A big negative though is that Capital One likes to pull all 3 bureaus for credit applications.  Some only pull a single bureau.

Some of the sites that have prequalifiers:

US Bank

Capital One

Amex 

Discover

Chase

Citi

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I would prefer not having all 3 pulled. I will look at the sites above.  Thank you, for your advice and suggestions

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

---

Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

---

Many do including Capital One if you are interested in any of their other cards.  A big negative though is that Capital One likes to pull all 3 bureaus for credit applications.  Some only pull a single bureau.

Some of the sites that have prequalifiers:

US Bank

Capital One

Amex 

Discover

Chase

Citi

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I would prefer not having all 3 pulled. I will look at the sites above.  Thank you, for your advice and suggestions

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I just went to the Chase pre-qual site and received this response.

We are unable to locate any offers for you at this time.

This may be because you have opted out of "pre-screened" offers from Chase and other companies or you have recently responded to another offer from Chase.

However. we may still have products to meet your needs. Please continue to chase.com

[SouthJamaica]

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@Anonymous wrote:

Thank you, do you think it would help to be an authorized user on my daughter's accounts?  I would like AMEX and Chase but seems like I keep seeing that Chase wants to see that you have 5K CC in place already, not sure if the previous history as authorized user would help

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I just don't think you need to complicate yours and your daughter's lives.

[SouthJamaica]

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

---

Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

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You should call Capital One and ask if there is an offer to upgrade your card.

If there is, upgrade it to Quicksilver.

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

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@Anonymous wrote:

You can always check the online prequalifiers.  They are only soft inquiries so you don't have to worry about them hurting your credit.  I would try Amex and Discover first to see if they have any recommendations for you.  Even if you aren't prequalified, that doesn't mean you won't be approved if you apply.

Is you Capital One still secured after all of these years?

---

Thank you for responding,  yes, It is, not sure how to get it unsecured? I gave them 1100.00 when opening it in May 2011.  Does each site have an area for pre-approval?

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You should call Capital One and ask if there is an offer to upgrade your card.

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Or do it without a phonecall here 

[Anonymous]

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I just went to the Chase pre-qual site and received this response.

We are unable to locate any offers for you at this time.

This may be because you have opted out of "pre-screened" offers from Chase and other companies or you have recently responded to another offer from Chase.

However. we may still have products to meet your needs. Please continue tochase.com

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Following statement applies to all credit issuers to some degree but especially Chase of the nationwide majors.

Treat a Chase revolving credit application like asking out the captain of the cheerleading team. She may not be able to respect you unless you can demonstrate that others desire you, but you cannot appear so promiscuous that you will not be faithful if she says yes.

Try to unsecure and ideally grow the Capitol One, but it might possibly be bucketed even if you get it unsecured.

I would try to get one card up to a $5,000 credit limit before applying for Chase unless you have a critical immediate need for some Chase product.

Like  with the cheerleader you might get the yes you want out of the blue with thin file but my suggestion is about the percentage chances.

While Capitol One might outright bucket a card account, with a thin file it can still be a slow build for credit limits for other issuers even if not outright bucketed.

Discover does not have a large portfolio of cards but they are generally comfortable with thin files.

[Anonymous]

OP,

You have been given some outstandiing advice from the very smart MyFico Forum Members!

Great scores you have!, and "0 INQUIRES" ...OMG! ....Nice!!!!

check prequalifies, if your not 100% certain on Pre Qualified , ask the forum more. my 2 cents.

https://ficoforums.myfico.com/t5/Credit-Cards/What-s-the-next-move/m-p/5479997#M1618000

[xaximus]

OP - I would recommend Discover, Amex and Citi. Discover and Amex like thin files but I also recommend Citi as they may give you a low approval but you'll have a MC. Both Discover/Amex are not always taken at all stores/locations. I would say - app for the Citi DC card, then Disco/Amex.