Any credit card advice

[Anonymous]

My fico scores Are 625/626/629. Current util is 28%.. Bouncing back after foreclosure one year ago.. What cards could I qualify for with a high chance of approval?

Income 70k .. No lates on current credit cards

[Creditwiser]

Cap1 MC or QS1  , Creditone ( try to avoid if you can )  , Barclays,  Firestone, Victoria Secret  Pretty much any Credit Union Visa or MC

[Creditaddict]

capital one if you get a pre-qual offer online

barclay rewards

a number of GE/Sync cards (walmart, Sams, Amazon, 76 Gas, Chevron to name a few)

probably a few shopping cart tricks (Jcrew, Express, Victoria Secret, to name a few)

[Anonymous]

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@Anonymous wrote:
My fico scores Are 625/626/629. Current util is 28%.. Bouncing back after foreclosure one year ago.. What cards could I qualify for with a high chance of approval?

Income 70k .. No lates on current credit cards

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You're in my boat 6 months ago. Scorewise anyway..

Unfortunately you will still be considered sub-prime at least until you're 45pts higher than you are currently. And thus are limited to the usual fee harvester scum lenders, CapOne, Secured cards, and a litany of store cards with loose U/W and mickey mouse limits.

Can your quest for new credit wait a little bit? Is there anything due to come off your reports any time soon that could help you get the push you need?

[Anonymous]

I could bring my util down to <10% which I'm sure would give me a decent bump... Only bads are two paid collections due to fall off in 2018 and of course the foreclosure which was finalized last October.. I suppose I could wait 6 months and reassess

[Anonymous]

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@Anonymous wrote:
I could bring my util down to <10% which I'm sure would give me a decent bump... Only bads are two paid collections due to fall off in 2018 and of course the foreclosure which was finalized last October.. I suppose I could wait 6 months and reassess

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That would be wise. Again, I know what it's like to be there, so don't be discouraged.