What card should I apply for? These are my scores right now.

[Anonymous]

Bancard score 8

647 Equifax 

647 Transunion

656 Experian

score 9

661 Equifax

685 Transunion 

659 Experian 

[M_Smart007]

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@Anonymous wrote:

Bancard score 8

647 Equifax 

647 Transunion

656 Experian

score 9

661 Equifax

685 Transunion 

659 Experian 

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Hi @Anonymous and

To be honest, I would check Discover's pre-approval web page.

https://www.discovercard.com/application/preapproval/initial

Just make sure all your credit bureaus are "unlocked"..

Good Luck!

[shadanat]

Do you have any cards or will this be your first? What does your profile look like? What are you looking for ie cashback, points, 0% intro?

[Anonymous]

I have a capital one $400 limit and a secured discover $1000 limit. I also have 3 retail cards, each under $500 and I am an AU in 3 other cards all each under 1k limit. I'm looking for a high credit limit card more than anything else. Would be nice to have cash back. 

[Horseshoez]

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@Anonymous wrote:

I have a capital one $400 limit and a secured discover $1000 limit. I also have 3 retail cards, each under $500 and I am an AU in 3 other cards all each under 1k limit. I'm looking for a high credit limit card more than anything else. Would be nice to have cash back. 

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How long have you been building/rebuilding?  How many credit apps have you submitted in the last year?

[Anonymous]

I've been rebuilding since December. I've only applied for the capital one and discover since I started. 

[Horseshoez]

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@Anonymous wrote:

I've been rebuilding since December. I've only applied for the capital one and discover since I started. 

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Okay, next question, what kind of derogs do you have on your credit reports?

[Anonymous]

I've paid everything off. Everything that was in collections was deleted except for two accounts but they both show paid.  My utilization rate is at 12% right now. 

[Horseshoez]

So, my gut tells me you're not going to get much love from credit card issuers at this point for a higher dollar unsecured credit limit.  If you want a higher limit card, as things stand today, my suggestion is to get a secured card with a limit high enough to satisfy your needs.

[shadanat]

I agree with Horseshoez. 

You have a $1000 secured Discover card. Many who have had that card says it will unsecure. You may just have to be patient. It will come.