Credit card approval question

[tithelady]

Help. Want to feel comfortable applying for credit and avoid unnecessary hard pulls

Presently have the following scores

TransUnion Fico 8 768

Experian.   "".           706

Equifax.                    757

No real debt whatsoever.  Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss.  long term member of navy federal cu and bayport cu.  
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved. 
Any suggestions?

[creditgnome]

i have 13 to 19 inquiries. so many approvals this year. i went from 487 on march 21st 2022 to 649 today. i bet i will hit 750 by march of 2023. all my debt falls off and i have so many cards now.

thankful i took my chances ha. 

[SUPERSQUID]

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@tithelady wrote:

Help. Want to feel comfortable applying for credit and avoid unnecessary hard pulls

Presently have the following scores

TransUnion Fico 8 768

Experian.   "".           706

Equifax.                    757

No real debt whatsoever.  Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss.  long term member of navy federal cu and bayport cu.  
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved. 
Any suggestions?

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Its almost impossible to get around a hard pull on an initial application for a credit card. You say you are a long time member of NFCU? 

NFCU is the best when it comes to credit cards and they are a little forgiving to those with less than stellar reports, ymmv

[citymunky]

Not sure what type of cards you are looking (i.e. Travel, Hotel cash back, etc).

But Discover has a pre-approval.

[UncleB]

Hi @tithelady, I've removed your duplicate thread from 'Rebuilding Your Credit.' 

Please avoid cross-posting on myFICO.  It's confusing to follow and is against the rules here.

Thanks,

--UB

[SouthJamaica]

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@tithelady wrote:

Presently have the following scores

TransUnion Fico 8 768

Experian.   "".           706

Equifax.                    757

No real debt whatsoever.  Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss.  long term member of navy federal cu and bayport cu.  
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved. 
Any suggestions?

---

I would suggest applying for a credit card with one of your credit unions.

[FireMedic1]

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@tithelady wrote:

Presently have the following scores

TransUnion Fico 8 768

Experian.   "".           706

Equifax.                    757

No real debt whatsoever.  Credit card very low limit $600 1 year old when my spouse and I medical debt that since has been paid in full!!! The medical collection alone wrecked havoc on credit. He passed away as a result medical issues.

Paid cc in full for now 12 months, with less than 15% useage each month. SAvings, checking and money market , pension and ss.  long term member of navy federal cu and bayport cu.  
ive worked hard to handle credit , so scared to apply for credit line or cc in fear of denial and hard pulls. Preapprovals always say I will be approved. 
Any suggestions?

---

Dont worry about usage. Its whats reported on statement cut day which should be around 6%. More usage. Better chance of approval and CLI's. Since your a member of NFCU. You can ask for a CLI online and its a SP. And apply for a card to suit your needs. Did the medical collections fall off once paid?

[Jnbmom]

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@creditgnome wrote:

i have 13 to 19 inquiries. so many approvals this year. i went from 487 on march 21st 2022 to 649 today. i bet i will hit 750 by march of 2023. all my debt falls off and i have so many cards now.

thankful i took my chances ha. 

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More cards does not mean higher scores. There are plenty of members with 3-4 cards low utilization and have high FICOs. It's not the number of cards you have, 

[Anonymous]

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@creditgnome wrote:

i have 13 to 19 inquiries. so many approvals this year. i went from 487 on march 21st 2022 to 649 today. i bet i will hit 750 by march of 2023. all my debt falls off and i have so many cards now.

thankful i took my chances ha. 

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Good time to let the world of credit have a breather and GARDEN ... Credit appreciates patience and you will find such an approach often helps over the long haul!

[SouthJamaica]

You're not supposed to post the same post in multiple locations in the MyFICO forum.  You have the same exact post under "Credit Card Applications".  You should ask the moderators to remove one of them.