Thin file, credit card suggestions?

Anonymous · ‎08-23-2016

Hello everyone, I want to apply for a credit card but I'm not sure which one to apply for. Here are some details about my credit profile. I HAVE A THIN FILE. My FICO scores are EQ: 675 (2 inquiries. one was for AT&T for cable, does that count too? the other is for a living room that I got for my parents but I paid it off already.) TU: 650 (4 inquiries. 1 for a CC which is the one I have, another one for a loan which was approved but paid I paid it off. The other two are for T-Mobile and for an apt rental application but I heard those don't count or do they?) EX: 677 (3 inquiries. one is for best buy in september of last year. The other is for the first loan I had (they double pulled TU and EX) that was last year too. The last one is for another loan with the same company that i got the first loan from and they approved me again). My AAoA is about 6 months. I have one credit card from La Curacao (it's like best buy but they're only in CA and AZ) my CL with them is $585 with a 3% utilization. I also have a loan which from the last EX pull and that is a loan for $1800. I have no baddies and no LATE payments EVER. I don't pay rent because I live with my parents, all I pay is some bills ( gas,light and cable) which about $150 every month. I make about 22K a year. My question is, what cards do you guys think i have a shot at? Thanks for the advice everyone!

Anonymous · ‎08-23-2016

Discover loves thin files ... I think you have a shot!

Anonymous · ‎08-23-2016

What do you want in a credit card? For example, are you just looking for a card for general use or do you want a card for a specific need. As stated, Discover likes thin files and so does Amex.

So go unto the Amex site and see if you are pre-approved for any of their cards.

Anonymous · ‎08-23-2016

@Anonymous wrote:
Discover loves thin files ... I think you have a shot!

Which one of the Discover cards would you suggest?

Anonymous · ‎08-23-2016

@Anonymous wrote:
What do you want in a credit card? For example, are you just looking for a card for general use or do you want a card for a specific need. As stated, Discover likes thin files and so does Amex.

So go unto the Amex site and see if you are pre-approved for any of their cards.

I think you have to be 21 to get prequals, I've been told that quite a few times ( I'm 18, turning 19 in september) .But I tried it anyway and they don't have any offers for me but they suggested I apply for the BCE, ED and the PRG. Does Amex really like thin files? I thought they were one of the most strict CC issuers...

Anonymous · ‎08-23-2016

@Anonymous wrote:
@Anonymous wrote:
Discover loves thin files ... I think you have a shot!

Which one of the Discover cards would you suggest?

Depends on what you want...?

There is the Discover Journey that from my understanding you don't have to be a student.

There is Discover Chrome... and some others !

In my case I prefer the Discover It.

There is a prequal for Discover as well ... as you said you probably can't prequal for that.

Maybe check out your one of your Fico Stores on creditscorecard.com ..

Discover now offers that for free to give you a decent idea of one of your FICO8 scores before you app.

I did no get a prequal and I app'd anyway ... and I was approved.

Approvals are more than just your score.

But you have no baddies and I know someone with your income that was approved.

Come back and let us know!

Anonymous · ‎08-23-2016

@Anonymous wrote:
@Anonymous wrote:
What do you want in a credit card? For example, are you just looking for a card for general use or do you want a card for a specific need. As stated, Discover likes thin files and so does Amex.

So go unto the Amex site and see if you are pre-approved for any of their cards.
I think you have to be 21 to get prequals, I've been told that quite a few times ( I'm 18, turning 19 in september) .But I tried it anyway and they don't have any offers for me but they suggested I apply for the BCE, ED and the PRG. Does Amex really like thin files? I thought they were one of the most strict CC issuers...

Yes, that is correct. I didn't see your age in the original post so thanks for inserting it here.

Anonymous · ‎08-23-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Discover loves thin files ... I think you have a shot!

Which one of the Discover cards would you suggest?
Depends on what you want...?

There is the Discover Journey that from my understanding you don't have to be a student.

There is Discover Chrome... and some others !

In my case I prefer the Discover It.

There is a prequal for Discover as well ... as you said you probably can't prequal for that.
Maybe check out your one of your Fico Stores on creditscorecard.com ..
Discover now offers that for free to give you a decent idea of one of your FICO8 scores before you app.

I did no get a prequal and I app'd anyway ... and I was approved.
Approvals are more than just your score.
But you have no baddies and I know someone with your income that was approved.

Come back and let us know!

I checked their prequal site and thats the only card that came up but I don't know if thats a prequal or just an ad . I already checked my score card and it shows my EX score is 677 like i said before and towards the middle of the page this card comes up but again I don't know if it's a prequal.

Anonymous · ‎08-23-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Discover loves thin files ... I think you have a shot!

Which one of the Discover cards would you suggest?
Depends on what you want...?

There is the Discover Journey that from my understanding you don't have to be a student.

There is Discover Chrome... and some others !

In my case I prefer the Discover It.

There is a prequal for Discover as well ... as you said you probably can't prequal for that.
Maybe check out your one of your Fico Stores on creditscorecard.com ..
Discover now offers that for free to give you a decent idea of one of your FICO8 scores before you app.

I did no get a prequal and I app'd anyway ... and I was approved.
Approvals are more than just your score.
But you have no baddies and I know someone with your income that was approved.

Come back and let us know!
I checked their prequal site and thats the only card that came up but I don't know if thats a prequal or just an ad . I already checked my score card and it shows my EX score is 677 like i said before and towards the middle of the page this card comes up but again I don't know if it's a prequal.

Im not sure it will give you a prequal due to your age.. .

But let me ask what is the verbage and what is the interest rate range?

Anonymous · ‎08-23-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
What do you want in a credit card? For example, are you just looking for a card for general use or do you want a card for a specific need. As stated, Discover likes thin files and so does Amex.

So go unto the Amex site and see if you are pre-approved for any of their cards.
I think you have to be 21 to get prequals, I've been told that quite a few times ( I'm 18, turning 19 in september) .But I tried it anyway and they don't have any offers for me but they suggested I apply for the BCE, ED and the PRG. Does Amex really like thin files? I thought they were one of the most strict CC issuers...
Yes, that is correct. I didn't see your age in the original post so thanks for inserting it here.

Yeah I've been told that a lot. I checked my CK and they say I have very good approval odds for the Cap1 QS1 and the Platinum. They have me as fair approval odds for Amex BCE, ED, Chase Freedom/ Sapphire and Slate, BankAmericard cash rewards, and they have me as good approval odds for the journey.