No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I was approved for the AMEX Everday with a EX score of 658. I have C/Os and 1 paid collection and 1 unpaid. 2 INQ. I just go the card a couple weeks ago. Before that I was in the garden for a year to work on the credit I was given.
There is a slim chance you could be approved possibly for $500.00 - 1,000. However, the higher the score the better your chances. I can't suggest to you which direction to go in because honestly it could go eithier way for you..
*Edit
Your may want to wait a couple more months because your scores may be higher. I thought you said 648, I didn't relize it was 638.
@Tomgon1981 wrote:
Thanks with my inquiries and my baddies I feel I'll get denied I might wait till next year when my inquiries go down and hopefully my score goes up some
Usually, the gut instinct is best to listen too. Like I said I waited a year..and there isn't anytihng wrong with that. That's what I did. Although, I ended up disappearing from myfico because I wanted to get away from the "app itch"
@Anonymous wrote:
I wouldn't try Amex until your EX score is above 660 personally, that's what I've seen personally from people's threads on here.
+1
If it makes you feel better, I honestly can't even apply for anything else for another year or so when all my crap finally falls off. I mean I could apply but I'm picky about the cards I would like to obtain.
They should send you an email shortly letting you setup your online account. The CL will be included in there. All else fails, calling their 1-800 # should yield a result.
Congrats!