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Thin file friendly with baddies?

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_NERD
Established Contributor

Re: Thin file friendly with baddies?

Welcome to the forum. The Comeback Card from Unity?

3B profile optimization in progress...
Message 11 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

My spouse just got a discover it card a month ago. Is it bad if you both list household income to get individual cards from one bank? Or how does that work?

Never heard of the unity card. I will take a look.
Message 12 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

 

  I looked at the Unity and it seems like it is a secured card.    I imagine an unsecured card is possible so I will keep looking thanks!     Still leaning towards Barclay rewards and Capital One plattie.    Not sure if there are better options. 

Message 13 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

if you are looking at the CO Plt, did you check the prequal to see if it is offered?

Message 14 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

Yeah it shows prequalified for platinum. Congratulations message etc etc
Message 15 of 19
mrcrisp023
Frequent Contributor

Re: Thin file friendly with baddies?

I hope it works out for you. When do you plan to apply?
Capital One SavorOne: $3000 / Bank of America Unlimited Cash Rewards Visa Signature: $500 / Mission Lane: $2500 / Merrick: $2000 / CreditOne Amex: $850

Starting 09/2022 MyFico 08: EQ 648 / TU 659 / EX 644
Current MyFico 08: EQ 733 / TU 720 / EX 734

2024 EOY Goal: 750
Message 16 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

Probably tomorrow night.    That is why I am trying to figure out if there is anything else I should be looking at besides Cap One and Barclays rewards, and possibly Amex BCE.    There must be other lenient lenders I am missing.  

Message 17 of 19
Anonymous
Not applicable

Re: Thin file friendly with baddies?

No other suggestions?   Anyone?

Message 18 of 19
KSK1912
Valued Contributor

Re: Thin file friendly with baddies?


@Anonymous wrote:
Gotcha! The BCE looks decent. Any other thin file friendly cards other than cap one?

If you don't have to have a specific card, but looking for something that is decent, some rewards, and fairly easy to get approved, Barclays Rewards MC would be agood choice. That card, about 7 months ago was my first real cc, which is not a store card, or a secured card. I got that card after a recon, with probably 20 new accounts in the last 6 months and not so many inq's. They pull TU and the same day in the evening, something told me to just go apply for Apple Rewards VS card with Barclays, and my first instant approval ever, for $2K 2 Cards, and 1 HP on one report only. You can't beat that. Wednesday was Apple card's 7th statement and got an auto cli even though my uti with that card is at 90% right now.


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


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Are you free Tuesday..?
Message 19 of 19
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