I started rebuilding my credit in the mid 500s with a discover secured at 1k. It's been about 8 months and I'm at TU: 646, EX: 671, EQ: 644.
I have two charge offs that I PIF'd and three collection accounts for $849, $1957, and $194. None of those collections or charge offs are from credit cards. They're from old cell phone bills. My overall revolving credit utilization is about usually < 5%.
My Discover IT secured hasn't graduated yet. I'm at 9 months. I've not been late with them or anything, so not sure what's holding me back. Regardless, I'm looking to get an unsecured card next, but I'm not sure what cards I have a realistic chance for approval on. Any advice?
I have an annual income of $85,000 and my DTI is low.
I bank with Chase. AAOA is 7 years, due to student loans, which I've never been late on.
Agree with AJC, AMEX will have you.
You bank with Chase... I would leave a slot in the 5/24 so you will be able to take advantage of their offer when it comes.