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What credit card can i get ?

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Anonymous
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What credit card can i get ?

im on a rebuiding journey i have 2 secured credit cards can anyone suggest a unsecured card that is easy to get with my scores i heard that 3 cards is the magic number when rebuiding my fico scores are in my sig thnks 

Message 1 of 25
24 REPLIES 24
Anonymous
Not applicable

Re: What credit card can i get ?

Maybe a capital one. Not sure on Barclays nfl card. Really depends on what is on your reports. What type of baddies and how old are they. Any bk if so how old. First premier, credit one,applied,and merrick, but try not to get those as their fees are high unless you have to. Watch your inquiries also to many will hurt your scores.

Message 2 of 25
chalupaman
Super Contributor

Re: What credit card can i get ?

How long have you had those secured cards in your sig?

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 3 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

cap one is oldest 3months my only negatives is a charge off and a medical. do you think i could get the cap 1 quicksilver card it says fair credit needed

Message 4 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

Probably no on qs

Message 5 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

im trying not to waste a HP

Message 6 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

Also check prequal card sites. There are several and it will not cost you hp

Message 7 of 25
chalupaman
Super Contributor

Re: What credit card can i get ?


@Anonymous wrote:

cap one is oldest 3months my only negatives is a charge off and a medical. do you think i could get the cap 1 quicksilver card it says fair credit needed


I'd wait until your FICO score generates (6 months of history) and then you can look at some options. Do you have a relationship with Chase or BoA? Maybe you can consider getting a Discover It later on, especially if you get those reports clean.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

i did discovers pre approved site it said i could get a discover it card i know thats bs or should i try to get it

Message 9 of 25
Anonymous
Not applicable

Re: What credit card can i get ?

I wouldn't try the discover it as they showed I was pre approved and then was denied. Two different times. Papa is right. Get six months under the secured and then go from there. 

Message 10 of 25
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