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Best Credit Cards for Transunion score 640

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Anonymous
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Best Credit Cards for Transunion score 640

I am looking of getting better cards here in 3 months and wondering what cards I could get with a transunion score around 640-660?

Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: Best Credit Cards for Transunion score 640

What are you looking for? Cash back or Travel rewards? A good card that pulls primarily pulls TU is Discover it.
Message 2 of 14
Anonymous
Not applicable

Re: Best Credit Cards for Transunion score 640

im looking for cash back. 640 trans score currently

Message 3 of 14
Taoron
Frequent Contributor

Re: Best Credit Cards for Transunion score 640


@Anonymous wrote:

I am looking of getting better cards here in 3 months and wondering what cards I could get with a transunion score around 640-660?


This may be the wrong forum for this topic.  If it is, a mod will move it.. but thought I'd add in my $0.02 for your consumption Smiley Happy

 

Based on my luck, you might be able to get the following:

 

Barclaycard Rewards

Capital One Platinum

Capital One QS1

Discover It Student version

Amazon store card

Walmart

 

According to Creditpulls database, you might be able to get:

 

Citi

Chase Freedom

Chase Sapphire Preferred

BofA Personal

 

The above are if you have no BK on file.

 

 



Message 4 of 14
Anonymous
Not applicable

Re: Best Credit Cards for Transunion score 640

Cap1 qs1 or barc rewards are your best bet with a 640ish score I wouldn't app for a freedom etc til u hit 675+

Message 5 of 14
KSK1912
Valued Contributor

Re: Best Credit Cards for Transunion score 640

I would also add Barclays Apple Rewards card as it seems to yield a better SL compared to Rewards MC for lower scores. I got approved for Rewards MC with $1000 SL and Apple Rewards with $2K SL with TU 641, on the same day.


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 6 of 14
Kriz1
Valued Member

Re: Best Credit Cards for Transunion score 640

My TU is at 690 and i Wanna wait till I hit that 700 mark to try for Chase slate or Sapphire.
Best bet is DI. It's a good card to grow with.
Message 7 of 14
Pway
Valued Contributor

Re: Best Credit Cards for Transunion score 640

The one question no one has asked is what does your overall looks like?  Baddies, collections, etc.  Then one can give you some sound advice as to what cards to app for.  Remember scores are just one part of the equation when applying for credit.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 8 of 14
thummel
Established Contributor

Re: Best Credit Cards for Transunion score 640

Discover can be tricky and doesn't always pull TU. They pulled EQ for my it card. I would think scores in the 650 range would be pushing it for discover. Depending on what exactly your going for anyway. Secured might be a different story.
Message 9 of 14
SouthJamaica
Mega Contributor

Re: Best Credit Cards for Transunion score 640


@Anonymous wrote:

I am looking of getting better cards here in 3 months and wondering what cards I could get with a transunion score around 640-660?


I would say Barclay Rewards


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 706 TU 710 EX 708

Message 10 of 14
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