Credit card approval help

[Anonymous]

Please help with credit building

Thia Is pretty much everything other than paying the Navy Fed account down.  IDK where I should start or what credit card I can get Approved for with a good limit after I pay Navy Fed down


I have NAVY FED bank account,  PenFed, Michigan First CU abd 53RD 

These are all of my statuses as of today dating back 2 years;

FICO 8 SCORES    EXP 636    TRANS 653   EQUIFAX   581
INQUIRES  EXP 3   TRANS 2   EQUIFAX 4 ALL COME OFF BY 01/14/2018

NAVY FEDERAL cash reward $8400 out of $14000
Opened 02/20/2016 no missed payments

Capital  $200 out of $1800
opened 02/21/2013
16 missed payments back in 2013
only 1 missed payment may 2017

CAPITAL ONE $0 out of $750
opened 01/01/2017
0 missed payments

CBNA BESTBUY $1697 out of 3000 paying 200 amonth
opened 07/12/2012 account closed 11/20/2017
five missed payments

FIRST PREMIER $8 out of $450 utilization
Date Opened
10/01/2015 current
1 missed payment in may of 2017

CREDITONE BANK 950 OUT OF 550
OPENED 11/01/2013 CLOSED
CHARGED OFF

KAYS JEWLERY 300 CREDIT LIMIT not showing balance insurance should have paid this off
OPENED 08/01/2015 CHARGED OFF

MICHIGAN FIRST CREDIT UNION 3296 out 3500 AU Account
opened 07/01/2012
no missed payment

PENTAGON FED CU LOC $500
opened 07/01/2016 CLOSED paid as agree not late or missed

[FireMedic1]

Could you condense your post please. Looks like you have some high balances (%'s), 2 charge offs with balances, 23 lates, and so on. I'd worry about paying down those high % accounts and paying off the charge offs and closed accounts. As far as getting more credit. JMHO it's not looking to good for that to happen at this moment. I'd worry about the present. Your future should be getting back on track with what you have now thats hurting you.

Enter the experts in 5,4,3,2,1............................Good Luck!

[Gollum]

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@Anonymous wrote:
HAVE NAVY FED BANK ACC PEN FED MICHIGAN FIRST CU AND 53RD 

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brittbratt2, I don't think you should worry right now about which credit cards to get in the future.  As you already know, your first priority should be to pay down your Navy Federal credit card, since it has a balance of $8400.  That credit card apparently already has a nice credit limit ($14,000) and you probably will not be able to get a better credit card with a lower interest rate right now.

BTW, I suggest not using all capital letters when you post.  Typing normally makes it easier for people to read what you post.

[Anonymous]

Ok sorry bout that

[Anonymous]

@Anonymous

I made made some edits to your post to make it a bit more readable but all the information is intact.  Good luck

[Anonymous]

And hypothetically if everything was paid down what cards would u go after

[Anonymous]

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@Anonymous wrote:
And hypothetically if everything was paid down what cards would u go after

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Perhaps Discover's secured card.

[Jnbmom]

I agree with thee others, applying for anything right now would not yield good results.  I would pay off the 200 Capital since that is the easiest to be paid in full. The AU has very high utilization not sure if I would remain on that? Try to get navy down to at least under 30%. And tackle those charge offs,  maybe try for PFD and GW the lates. 

Good luck