Above Average scores but having a hard time getting my first CC :(

[Anonymous]

OK I can do that I guess I just need to be patient and continue to PIF my new CapOne secured card. Thx for the advice

[Anonymous]

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@Anonymous wrote:

OK I can do that I guess I just need to be patient and continue to PIF my new CapOne secured card. Thx for the advice

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Yes but you aslo need to increase the limit $200 will not cut it for an analyst even if they want to give you the card. You need to show you can handle a good limit of credit also.

[09Lexie]

Good luck and I will see you in the garden.

[Anonymous]

Thx Yes! i will increase it to 1K over the next couple of months. PIF til around the end of the year. By then hopefully some of those inquiries will not show up. With that plus proving I can handle a decent LOC will maybe get me my first Unsecured CC Thanks all fro the advice! O! any of you guys thinkit's a good idea to apply for a Department store card? Just curious...

[Anonymous]

Yes I will also see you in the garden and even tho I am here I still love to here stories of peoples efforts and approvals so update us from time to time. This site is great even if you are not applying for a new card or cli. I would not app for anything else at this time maybe 8 months people say 6 but I think 8 to 10 is the number. Atleast in my case.

[toppers555]

My advice is if you can afford it is to open a secured card with Bofa.  you can park 5k like I did for a year,  and if you are good with your payments  it will gradurate in a year maybe even a few months early. 

[Anonymous]

Make sure you apply for the version for average credit if you decide to apply for the Cash Rewards card. Due to lack of history, you most likely won't qualify for the Excellent version and Cap1 really doesn't have a recon department. You would have to contact the EO for recon. Good Luck! 7 INQs isn't terribly bad but not good either. I was approved for the Discover It with 5 INQs. I think that your lack of credit makes the INQs stand out more. Your best bet is Cap1 because you have history with them already. I have the Cash Rewards card they offer and it is pretty decent. I've earned $150 cash back since July with at least $75 as a 50% cash back bonus coming this July.

[LS2982]

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@toppers555 wrote:

My advice is if you can afford it is to open a secured card with Bofa.  you can park 5k like I did for a year,  and if you are good with your payments  it will gradurate in a year maybe even a few months early. 

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This is a great idea if BofA can get you approved!!! Will set you up nicely for prime CL's later on!!

[HiLine]

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@toppers555 wrote:

My advice is if you can afford it is to open a secured card with Bofa.  you can park 5k like I did for a year,  and if you are good with your payments  it will gradurate in a year maybe even a few months early. 

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+1

Always a good idea to have a high credit limit under your belt!