Do these scores qualify for a regular CC?

[Anonymous]

Hello,

My credit scores of Feb 620, 622,655.......I have the following cards:

Target, Zales, Crown Jewelry, Macy's, Target , Express and Orchard Credit Card and recently started a Share secured loan at NFCU.

I have been declined from

Hooters-2x

Discover- Myfico said it was a card for people with my fico scores.

Citibank-- I have direct deposit with them as well as Zales is under their umbrella.

Amex-

Experians is my worst report as well as the highest Fico score-

Shoould I let account age for a few months and try again?

Thanks in advance

Message Edited by mishie on 03-05-2008 11:47 AM

[Anonymous]

Hi mishie, welcome.

Yes, I would definitely let the cards age a bit and get perfect payment history on them.

Do you have any baddies on your CR's that you can work on while the cards are aging? Like lates, collections, charges offs, etc?

If you do, I would work very hard until they are removed.

Also, it's so very important to keep your credit card balances low.....like 10%-15% of the credit limit.