I've been following MyFico around 3 years now. I've had my eye on the Discover It card for a year now. I finally pulled the trigger today after opening two new accts in the last month. Walmart and Amazon. I was afraid to get denied reading the posts about needing at least a mid 600's score. Mine is hovering right at 620-627 depending on the bureau. I app'd and was counter offered a higher int rate . I hit accept and was approved for 2,000! thats my highest limit. God is good .
here are some details about my situation
I have a Secured BOA -$500 opened in Nov 2015
capital one -$500 opened Feb 2016 originally $300 graduated about four months ago to 500
Walmart CC $500 opened Dec 2016
Amazon CC $700 Opened Jan 2017 Two days ago,
and Discover it Today !
I have 2 collections, one from 2013 for around 650itsmedical and 2013/12 from ATT i'm going to dispute that bc It was from a service change. from DSL to Uverse they kept charging for both and sent the other to collection while i was still a customer til 2015 .
I have two late payments showing from student loans ,
I have a car loan from kia dec 2015
Truck loan Santander dec 2015 ihate the int rate on that .
Yes most definitely, your credit has had time to improve and you have a pattern of payment history now , I'm sure you can beat that rate . There is a thread on here about the best credit unions, maybe check it out .