cancel
Showing results for 
Search instead for 
Did you mean: 

Credit scores in low 600's Can I get approved an an unsecured CC?

tag
Anonymous
Not applicable

Credit scores in low 600's Can I get approved an an unsecured CC?

All 3 CS are in the low 600's can I get approved for an unsecured CC? What cards should I try to apply for? 

 

Thank you!

9 REPLIES 9
Anonymous
Not applicable

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

I got approved for a Capital One platinum card with similar scores.
Message 2 of 10
A1Credit
Established Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

Go onto Capital One, Discover, Chase, Citi, Amex prequalify website and see what comes up. Knowing who you prequalify for will help you figure out if you are likely to get to approved.
***Gardening 3/29/2018 until 9/25/2018***

FICO 8 Scores: EQ~692 l TU~657 l EX~669
Message 3 of 10
3se7ens
Frequent Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

Of course you can, I did. Apply for the secured Discover IT card. Good luck!

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 4 of 10
beutiful5678
Frequent Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

What are your existing cards and what are your limits? Have you had any lates? If so, how recent?

 

FWIW, I obtained my unsecured cards with scores in the mid-500's but I have a lengthy credit history.



EX 8: Aug 2021 - 692 | EQ 8: Aug 2021 - 714 | TU 8: Aug 2021 - 673
Message 5 of 10
J-F168
Frequent Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

When I was in low 600's I received Paypal MC.

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 6 of 10
sueblue34
Frequent Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

Capital one platinum
Message 7 of 10
AppHappyTog
Regular Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

I was approved for a CapOne QS1 with similar scores and got into their credit steps program (after a certain amount of statements/payments you receive a CLI).

The biggest thing to be wary of is that their cards seems to be relatively slow or prove difficult to grow into larger limits. But is possible to atleast get one. If you don’t already, to give yourself the best opportunity to be with a lender who will grow with you as your credit score increases I would look into the secured discover. My experience with them has been pretty great.


Current Scores 4/18: EQ8 645/EQ9 686/TU 664/EX 682
Starting Scores 10/17: EQ 590 /TU 592/EX 560
AAoA: 3y6mo
Message 8 of 10
Anonymous
Not applicable

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

Horizon Gold Card
Message 9 of 10
J-F168
Frequent Contributor

Re: Credit scores in low 600's Can I get approved an an unsecured CC?

When my TU was 621 I was approved for Paypal mc. $300. 

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.