Besides cap 1 and NFCU what are some other lenient cards to obtain with around 640 credit scores?
Walmart, GE brand, you might try Discover if you don't have any baddie....my buddie got approved for 640
Go for a Walmart Store card. The free TU08 FICO is worth it plus it grows exponentionally and will get your score up pretty quick. Also apply for an AMEX green if you have no baddies. I got a Gold with a FICO of 640.
A store card would be your best bet IMO. I agree with the others...something that's GE backed b/c it has potential to grow and upgrade if you initially only start out with the store card.