Fico 776, small credit history. Which card to get?

[kalani91]

My girlfriend has a 776 Fico score from this site. Very Low credit history with school loans opened up 4 years ago and a credit card opened up from BofA 4 years ago too. She never actually used the card so it doesn't show payments but is still open. No inquiries, no baddies.

Which would be a good card she can get? I Already know the top cards around for great scores but not sure of cards that approve people with very small history.

She is going to switch her old card to a better cash back BofA card but I want her to get more cards so we can build credit together and get a house.

[enharu]

Her credit history isn't exactly thin though she only has 1 card. I would say she should have no problem getting approved for most cards, with few exceptions, depending on her CL on the BofA card.

Ask for a CLI with BofA first.
What type of cards is she interested in?

[kalani91]

Her BofA is low at 700$ eeek. She's interest in some cash back cards or just any good foot in the door card that could grow big. I heard us bank has nice cash back but wondering if she'd be able to make that?

[myjourney]

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enharu wrote:
Her credit history isn't exactly thin though she only has 1 card. I would say she should have no problem getting approved for most cards, with few exceptions, depending on her CL on the BofA card.

Ask for a CLI with BofA first.
What type of cards is she interested in?

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+1 with 4 years history she pretty much can take her pick

[09Lexie]

Her BoA shows no pyt history at all?

[enharu]

Call BofA for a CLI first. With a 700 CL trade line her options are a lot more restricted. BofA can be pretty generous with CLIs.

So she never used the card even once?

[09Lexie]

I'm surprised the cc is still open with no activity.

[kalani91]

I'm going to sign in her account tomorrow to double check pyt history. She never used the card but it showed on her account. Not one single bill. 

[kalani91]

Would it be best to CLI and then wait until it shows in credit report? Then apply for some CC's

[09Lexie]

I'd suggest pulling her credit bureaus-all 3 too.