Which card ? 670-683

[Anonymous]

Hello,

Just wondering where to apply , which are my best chances.

Here is my situation.

Had BK in 2012

Divorced 3 years ago , had 625 score back then.

I opened Mattress firm card on 2014 (3500), I paid of 1300 in one year and then it got closed last year for no activity, I know I missed that. That really lowered my credit amount, and age

Opened secured $500 capital one in 2014, they increassed after few months to 950. (utilization 70%)

6 mmonths ago I oppened Tire kingdom card, got approved for 700$, utiization 70%

Never was late in last 3 years.

Ive been having Wellsfargo bank account for Years

Self Employed 55k/year

Now I got TU683 and EQ 671

I would like to open one more card, what would you sugest?

I was thinking to open Capital one venture, but I dont know how would they see it since I have one card with them already.

Thank you 

Mike

[Scupra]

First I would tackle that utilization. After that you could go for another Cap1 card

[Anonymous]

As the above poster stated, I would work on bringing down your utilization at least to 50% before you apply for another card. I also agree another capital one would probably be best with your thinner profile. I have 2 capital one cards, but they are different products not like 2 quicksilver, etc not sure how they work with if you can have multiples of the same card.

[AverageJoesCredit]

Utilization 1st,

Your scores are in tange of some decent limits from Synchrony backed cards like Wally or Amazon if you're interested.

[Blodreina]

---

@Anonymous wrote:

Hello,

Just wondering where to apply , which are my best chances.

Here is my situation.

Had BK in 2012

Divorced 3 years ago , had 625 score back then.

I opened Mattress firm card on 2014 (3500), I paid of 1300 in one year and then it got closed last year for no activity, I know I missed that. That really lowered my credit amount, and age

Opened secured $500 capital one in 2014, they increassed after few months to 950. (utilization 70%)

6 mmonths ago I oppened Tire kingdom card, got approved for 700$, utiization 70%

Never was late in last 3 years.

Ive been having Wellsfargo bank account for Years

Self Employed 55k/year

Now I got TU683 and EQ 671

I would like to open one more card, what would you sugest?

I was thinking to open Capital one venture, but I dont know how would they see it since I have one card with them already.

Thank you 

Mike

---

Quick clarification.  Closing accounts does not lower your average age of accounts.  Overall utilization may increase as a result of an account being closed; utilization is what could lower your scores after closing an account, not age.  It seems like that's exactly what happened in your case.

Now, to answer your question - another Capital One card would be fine (many people have multiple).  I think they're also probably your best shot at an approval.

[Anonymous]

If your UTI is 70%, I’d pay that down to under 20% and see what happens with your scores before applying. It might open doors for other lenders besides Cap 1 if you are interested. 

[Anonymous]

Thank You all for your answers.

If not capital one , what other card would you sugested in my situation, which have best chances?

Regards

Mike

[AverageJoesCredit]

If you can find out your Experian, you might try for Amex.

[Anonymous]

at this moment moment my TU is 696 and Ex 683.

Any particular Amex?

[CreditCuriosity]

Amex or Discover but get your utilization down first.  Best of luck.  Before Amex make sure your BK is >= 5 years to be considered or will be insta-declined.  Not sure of your date, just skimmed this post.