Credit Score 619 w/ 1 collections, need credit card approval

[Anonymous]

I would recommend a Discover Secured card to begin. But def check for Pre-Qual's with others.
Discover also does eventually graduate.

[Anonymous]

Walmart or Synchrony?

[Anonymous]

1. Check pre-qualification sites as noted by others.

If nothing comes back with solid preapprovals, try option two.

2. Add two secured cards.  This will get you 3 revolvers reporting.  Keep a small balance on one and zero on the other two.

Having the three revolvers reporting positively while working on the collection will be a big help once the collection is resolved.

[Anonymous]

So if preapproved on Discover pre qualified tool, its a SP?

[Anonymous]

Last time I used Discover's preapproval tool, which was around a month ago, it was a soft pull.

[Anonymous]

My first card was Capital one Platinum with  590 ISH SCORE. $300 THEN $500, $800, $1300

[Meskini]

Discover IT secured is a good card to go for.

[Anonymous]

Hey!

You’re definitely in the right place for learning about credit. If you stay immersed in the forums you will learn a lot.
I believe before I even had access to my Fico scores I had one collection that I eventually paid off. Sometimes working with the creditors to set up payment plans can ease the tension if kept up with. I made sure mine were lump sum payments though.
I know you weren’t here for that exactly, but what everyone else is telling you is some great advice. When I had the same score or similar score to yours citi actually approved me for a double cash back card, but I’m not sure how that would go with the collection.
Secured card is probably the safest bet.