Confused as to when I should apply for a card

[Anonymous]

My score is now a 657 and it has flatlined. I have cleaned up everything I can and Im not sure when and what card I should or even if I should apply for one. I have a secured card that will never get converted. And a capital one that has a $500.00 limit and was denied an increase. Any guidance?

[Meanmchine]

Try the Discover and Amex prequal sites.  I think you might have a shot.  Good luck

[Anonymous]

Discover is usually a good starting point if your profile is a little bent outta shape or thin. They gave me my first card with no credit score to look at.

If you provide a bit more info some others may be able to make more specific suggestions.

Good luck!

[Anonymous]

What's the secure card that will never get converted?

[Anonymous]

Give us some data points so we can see why your score can't rise above 657.

Besides that, Cap 1 and Discover are probably most friendly for thin credit profiles. 

[jl4]

My DF outright didn't have a FICO score from Experian and has only had one credit thing to date, so her file was pretty thin. She went after Capital One via their pre-qual site and acquired their Savor card with a health $5k limit. 

Now she has an Experian FICO score so she gets mailers from Discover and Amex all the time. 😂

[Anonymous]

I applied for Discover It as soon as I received my SSN in 2016 with no credit history (approved with an SL of $1250). Always paid in full and was offered auto CLI's at regular intervals.