Looking for credit cards for my credit scores

[Anonymous]

Trying to secure our first home and it has been recommended that we get at least 2 credit cards. Currently don't have any, but my 3 scores are as follows: 620-Equifax, 638-Experian, and 613-Transunion. Looking for recommendations on what cards have been approved for these scores from these bureaus, and also cards that report to all 3 bureaus. Thank you so much for your help! 

[Anonymous]

Trying to secure our first home and it has been recommended that we get at least 2 credit cards. Currently don't have any, but my 3 scores are as follows: 620-Equifax, 638-Experian, and 613-Transunion. Looking for recommendations on what cards have been approved for these scores from these bureaus, and also cards that report to all 3 bureaus. Thank you so much for your help! 

[Applepro1990]

Hi I would recommend the discover IT or the capital one QuicksilverOne. Sometimes the limits are small but you can generally get a increase after 3-6 months . Also try your bank or credit union as they usually give more love as far as SL and interest rates.

[805orbust]

Its difficult to advise without more information,  however I'd assume with those scores there were issues previously. I'd say a good place to start is something like a Credit One, First Progress (secured), or Capital One platinum.  They are all high interest/high fee cards so i would recommend getting out and moving to more mainstream cards as soon as you're up around 680 plus. There are TONS of great resources here in the Rebuilding section. I suggest you do a little searching there.

[AllZero]

Who do you bank with? Have you checked to see if they have starter or secured cards?

Are you a member of a credit union?

Check prequel sites such as Capital One (avoid their secured card, it will not graduate) or Discover.

[Anonymous]

We bank with Simple/bbva -- tried discovery and only pre-qualified for a secured card. Haven't tried capital one yet. 

[Anonymous]

@Anonymous Welcome to the boards! Hmm, your scores are in the "fair/average" range. Outside of Capital One's Platinum and Quicksilver 1, you would likely be looking at a secured card. 

If you go the secured route, I would suggest a card that graduates. My recommendations are:

- Discover (you can check the prequalify tool on their website to see if you might qualify for a standard cc)

- Navy FCU secured (if you have a way in)

- Bank of America Secured (even if you apply for a standard card they can counter with a secured offer)

- Honorable mentions Citi, SDFCU, DCU, and any local credit union or bank that you might be part of.

Question, do you have any negatives on your report? 

[AllZero]

---

@Anonymous wrote:

We bank with Simple/bbva -- tried discovery and only pre-qualified for a secured card. Haven't tried capital one yet. 

---

BBVA shows Optimizer Credit Card®. I don't know if it graduates. You'll have to do some research or ask the csr.

https://www.bbvausa.com/credit-cards.html

[ccquest]

Who do you bank with? There's a chance your relationship there might help with getting a first card as well.

[Remedios]

@Anonymous  welcome to the forum

I've merged your two identical threads. Please avoid cross posting, it creates unnecessary confusion. 

Thank you.