What should I apply for with a 584 score?

[taxi818]

Most cards that charge AF as you out it. Allows you to easily earn the money back. With benefits. Even cap ins qs1. 39 AF. Earned that back in 2 months. Credit one is just a give a away. Af. Plus maintenance fee after first year. Ooh. I forgot You can get 1% back on gas. So if you use a lot of gas. You can break even maybe.

[Anonymous]

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@taxi818 wrote:

Most cards that charge AF as you out it. Allows you to easily earn the money back. With benefits. Even cap ins qs1. 39 AF. Earned that back in 2 months. Credit one is just a give a away. Af. Plus maintenance fee after first year. Ooh. I forgot You can get 1% back on gas. So if you use a lot of gas. You can break even maybe.

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You would have to purchase a minimum of $4,000 in gas yearly (Assuming best terms of $39 AF), to JUST break even, and even then you would have to pay the day you put the charge through.

[taxi818]

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@Anonymous wrote:

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@taxi818 wrote:

Most cards that charge AF as you out it. Allows you to easily earn the money back. With benefits. Even cap ins qs1. 39 AF. Earned that back in 2 months. Credit one is just a give a away. Af. Plus maintenance fee after first year. Ooh. I forgot You can get 1% back on gas. So if you use a lot of gas. You can break even maybe.

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You would have to purchase a minimum of $4,000 in gas yearly (Assuming best terms of $39 AF), to JUST break even, and even then you would have to pay the day you put the charge through.

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Ok Nixon. You do see my name is taxi right?  4000 annually ?  Lol . How about 2400 a month in gas? What do I earn?    80 a day in gas sir. 36 dollars a month in rewards. At 1.5 percent. So that 39 AF is nothing. 10 times that a year. A little less since gas went down. 

[joltdude]

Look for a additional job and consider BK? 

Shouldnt be applying for anything really...

You might get some toy cards and some really subprime cards.. If you need a card you best be thinking of a secured card option...

[Anonymous]

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@taxi818 wrote:

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@Anonymous wrote:

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@taxi818 wrote:

Most cards that charge AF as you out it. Allows you to easily earn the money back. With benefits. Even cap ins qs1. 39 AF. Earned that back in 2 months. Credit one is just a give a away. Af. Plus maintenance fee after first year. Ooh. I forgot You can get 1% back on gas. So if you use a lot of gas. You can break even maybe.

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You would have to purchase a minimum of $4,000 in gas yearly (Assuming best terms of $39 AF), to JUST break even, and even then you would have to pay the day you put the charge through.

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Ok Nixon. You do see my name is taxi right?  4000 annually ?  Lol . How about 2400 a month in gas? What do I earn?    80 a day in gas sir. 36 dollars a month in rewards. At 1.5 percent. So that 39 AF is nothing. 10 times that a year. A little less since gas went down. 

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I was referring to the CreditOne. Their best offering appears to be $39/YR AF with the Gas rewards card at 1%

[TURNERHOOVER]

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@Anonymous wrote:

I know, it's very low. But I'm working on it. It was 514 three weeks ago, and i have paid no money out. All medical bills. Im new at this.

Anyway i have no credit cards. All i have is a car loan which im 100% on time, actually way ahead of time. I did apply and got approved for a capital one secured credit card because i read it was a good card for someone in my current position. I should get it in the mail soon. I did the same with a first premier credit card with some insane rates and fees, but called in this morning to cancel it after my credit score jumped up another 28pts and it looked like they were no longer needed.

What should I apply for at this poitn with 584 score? Im on a roll and really wouldn't want to get declined right now. Credit card, gas card, store card? Will anyone likely approve me? Thanks alot.

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With a sub .600 score I wouldn't app for anything until it increases to at least 630ish

[Anonymous]

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@cousin24 wrote:

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@Anonymous wrote:

I know, it's very low. But I'm working on it. It was 514 three weeks ago, and i have paid no money out. All medical bills. Im new at this.

Anyway i have no credit cards. All i have is a car loan which im 100% on time, actually way ahead of time. I did apply and got approved for a capital one secured credit card because i read it was a good card for someone in my current position. I should get it in the mail soon. I did the same with a first premier credit card with some insane rates and fees, but called in this morning to cancel it after my credit score jumped up another 28pts and it looked like they were no longer needed.

What should I apply for at this poitn with 584 score? Im on a roll and really wouldn't want to get declined right now. Credit card, gas card, store card? Will anyone likely approve me? Thanks alot.

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With a sub .600 score I wouldn't app for anything until it increases to at least 630ish

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I'd wait even then. I pretty much waited till I was 670+ to collect all the prime goodness in my sig.

Discover It was an outlier for me since I was approved with a 637 EQ FICO with better terms than some folks with scores 30pts above that.

[Anonymous]

i just applied for a discover it and got approved for a $2500 cl. I also have a Victorias Secret with a 350 cl. Started working on my credit about 5 months ago with a $350 cap one secured and a secured card ($250) + credit building loan ($1000) //Oh, I also have a fingerhut ($200 that got raised to $600 after 3 cycles and an AU walmart card ( $300 raised to 600 after 3 months). I applied for discover over the phone and i do believe that made all the difference. she asked my why i have  i havee a few inq ,asked me my job description and requested a call back to a number i put down on my application. That being the most important. If you get a chance , check out who gave me credit , you will get an idea who gets approved for what and under which circumstances. GOOD LUCK ! oh , when victorias secret approved me , a little pop up said that my score with eqifax i believe ? was 591