Credit Card Approval (currently on have Orchard)

[Anonymous]

Well first off years ago I messed up my credit by getting into $1500 in card debt (which I recently paid off). The only card I got approved for (after applying for several) was an Orchard Bank for $300 and a Macys for $100. My Fico score is 660 and I'd like to get atleast one more card to start rebuilding my credit. Any advice?

[tray]

Have you tried the preapproval site for a Capital One card, you can use the card for rebuilding and it does offer the credit steps program for cli's.  And it is a soft pull at first if you are preselected for any card, and if you actually go for it a hard pull does result then.  Good Luck

[Anonymous]

Hi mhart,

If you've apped for several other cards, I'd consider letting your two newbies age for six months before apping for anything else.

I liked my Orchard for rebuilding (in spite of their AF),  especially if you monitor your account online.  Macy's is a bit of a stinker right now because they no longer report CL's, but I still like my Macy's card and its accompanying coupons.  For Macy's, it's best to PIF, they have a terrible interest rate.

Congrats on your new cards!  Very nicely done!!!