4-digit limits for moderate scores?

[ptilda]

I'm being good (i.e. gardening), but like to plan (i.e. torture myself)...

Scores between mid 650s and 705

No baddies (whoot!)

Lots of inqs (will find out the real number when my updated reports arrive)

Perfect pmt

11 year history

4.5 year AAoA

4-5 of my new TLs reporting

less than 10% util

I know Care Credit does ok lines (for ppl in my situation). Also looking at Duck/Beaver for high 6's

Other thoughts?

My jewelery cards are my only 4-digit numbers currently

[FinStar]

What is the timeframe for your plan?  Not sure even the Duck/Beaver card would fly at this moment (even if CU they still have their underwriting elegibility) and you've recently opened several new tradelines.  Also, it appears the majority of your bank cards are secured with CLs <$500.  Have you tried some of the other CUs?  Any local ones in your area?  I know you are a BIG proponent of CUs so that's where I'm gearing toward.

[ptilda]

Went with a $2k installment loan wit my CU instead of a CC, for diversity sake. Will check with them on the CC.

Time frame is likely 6 months or so... or more. I'm just sending out feelers.

Most of my secured cards are because I thought I was in worse shape than I was, so didn't even want to apply for most unsecured and risk the HPs.

Learning as I go

[FinStar]

As long as you're not actively seeking credit in the next 6 months (the longer the better), then you can explore that option since most inquiries would have aged somewhat by then and your overall scores would improve.  Otherwise, what may limit some potential opportunities would be the mix of bank card vs store card ratios, the high number of inquiries and recently opened tradelines.

[ptilda]

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@FinStar wrote:

As long as you're not actively seeking credit in the next 6 months (the longer the better), then you can explore that option since most inquiries would have aged somewhat by then and your overall scores would improve.  Otherwise, what may limit some potential opportunities would be the mix of bank card vs store card ratios, the high number of inquiries and recently opened tradelines.

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I should have explained better. Basically, I'm wondering which cards are known for giving limits of over $1k for someone in the 6's. More informational than anything.

[FinStar]

Besides CU's, and provided your FICO scores are in range or hovering >650 (closer to 700 the better); some lenders that come to mind are: Barclays, Citi (including co-branded - Sears MC, Shell MC, etc), Capital One, Chase (Freedom or Slate), BOA and US Bank (other folks could chime their experiences).  Now, the caviat with any scores below 700 will most likely result in higher APRs or not the best terms and still no guarante of a CL above $1K.  As always, creditworthiness, income and other factors will play a role in this so YEMV.

[Mrm-na]

I didn't know my score at the time, but I must have been in the 6s when I got an invite from Merrick for their "double your line" offer.  I could be wrong but I think they mostly target the 6s.  It started at $900 and doubled to $1800 after 7 months.  People get different variations of that offer +/- a few hundred.  You have to wait for it to "mature" but it does end up over $1000.

I think they're invitation only, unfortunately.  I have no idea why.  But if you're not opted out you might get an offer from them.

[ptilda]

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@Mrm-na wrote:

I didn't know my score at the time, but I must have been in the 6s when I got an invite from Merrick for their "double your line" offer.  I could be wrong but I think they mostly target the 6s.  It started at $900 and doubled to $1800 after 7 months.  People get different variations of that offer +/- a few hundred.  You have to wait for it to "mature" but it does end up over $1000.

I think they're invitation only, unfortunately.  I have no idea why.  But if you're not opted out you might get an offer from them.

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How would I be on the radar for Merrick? Just through general apps? Or were you otherwise associated with Merrick prior to your invitation?

[alyssamarie]

I don't know my exact credit score, credit karma says it's 620-something but I'll get a better estimate when I get my first statement from my Walmart card. Anyways, I just recenlty applied for the barclay financing visa through apple and was approved for 1.7k. I also have 2 store cards at 1k (target started me at 1k and TJ Maxx auto increased my cl from $500 to $1000 after 5ish months). 

Idk if you're interested in the barclay card, I only applied for it because I was already planning on replacing my macbook so there was a benefit for me. Other than that it doesn't have any rewards or a great rate, but I'm happy with it because of the financing.

[ptilda]

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@alyssamarie wrote:

I don't know my exact credit score, credit karma says it's 620-something but I'll get a better estimate when I get my first statement from my Walmart card. Anyways, I just recenlty applied for the barclay financing visa through apple and was approved for 1.7k. I also have 2 store cards at 1k (target started me at 1k and TJ Maxx auto increased my cl from $500 to $1000 after 5ish months). 

Idk if you're interested in the barclay card, I only applied for it because I was already planning on replacing my macbook so there was a benefit for me. Other than that it doesn't have any rewards or a great rate, but I'm happy with it because of the financing.

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Thanks! I'm staying away from Barclaycards until my HPs age a bit. I have a savings account through them for the investment, and hoping that will add some leverage when it comes to getting a card with them.

I am a little leery of Target for obvious reasons. TK Max could be a good card (also Macy's is supposed to have decent limits & increases) but I don't know if I need another store card unless it provides other significant benefits.

Gives me some things to think about. Thanks.