Need credit!

[Anonymous]

What kind of Credit Card should I apply for if I am trying to raise my credit!

Equifax: 621

TransUnion: 595

Experian: 610

I need to raise my score so I can buy a house.

[Gunnar419]

Need a little more info about your overall credit picture.

What types of cards do you already have? Any installment loans? Any baddies? What's the age of your credit?

[Anonymous]

You might have to start off with a secured card from someone like Bank of America or you try to see if you prequalify fir one of the Cap One cards

[Anonymous]

My credit is 7 years old, I don't have any negatives, no installment loans and one credit card that is from the military which I always pay on time.

I was thinking about getting 3 secure credit cards. $300.00 each and using them at the same time, of course using under 25% of the limit, and always paying it off on time.

Is that a good idea?

[Anonymous]

I'd try for unsecured cap1 QS1 and plat first. If that fails Then I'd agree with what you said. Try to keep under 10% (reporting) and you should be better score wise. But you should be a shoe in for cap1

[Anonymous]

You have a chance with Capital One's Quicksilver One. That is a pretty nice card. Unlimited 1.5% cash back with only a $39 annual fee.

[Anonymous]

Will that lower my credit score? Applying for it?

Also, when should I ask them to raise it if they give me a 300 limit?

[Anonymous]

Applying will, yes because of the inquiry. But it's the same case if you app for secured cards

[Anonymous]

Well, I applied for it.

It said they will let me know if they approved it from 7-10 business days. *sighs*

[uswala]

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@darkblackrose wrote:

Well, I applied for it.

It said they will let me know if they approved it from 7-10 business days. *sighs*

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Give them a call in the morning. May be its just verification issue.