Has anyone gotten approved under 700?

betterscorenow · ‎03-04-2014

I am trying to decide whether to apply for a secured or unsecured card. My score is only about 660 and I'm afraid that I'll be rejected and worsen my score with inquiries.

On the other hand, will a secured card improve my score at this point? I don't have any credit cards at the moment.

meehan22 · ‎03-04-2014

Secured cards score the same as unsecured cards. Pick one up, without it or any other loans/credit your score wont be going anywhere fast.

Wallet: Chase $6,000 - Discover $1,500 - Walmart $2,200 - Voyage FCU $1,300 - Zales $2,300 - Elan Fin: $12,500(AU, reporting) - Chase $8,500 (AU, reporting) 1% UTL

-NewGuy- · ‎03-04-2014

Is that your FICO score? You could probably get a Quicksilver One or Barclaycard Rewards (for Average Credit) with that score (of course, there is more than just the score to it)

Guide to travel cards

betterscorenow · ‎03-04-2014

Yes. That's my FICO.

Creditaddict · ‎03-04-2014

@betterscorenow wrote:
Yes. That's my FICO.

What credit do you currently have?

Any Baddies?

How long is your credit history?

betterscorenow · ‎03-04-2014

No credit right now. I just finished payinf off a car in September. I have had a bankruptcy in the past though.

Creditaddict · ‎03-04-2014

@betterscorenow wrote:
No credit right now. I just finished payinf off a car in September. I have had a bankruptcy in the past though.

how old is the bk?

I would go to capitalone.com and go do the "Check for pre-qualified offers"

if you get "Congrats here is an offer, I would apply... if you get "we are unable to find any offers BUT - DONT APPLY

B335is · ‎03-04-2014

You could try Barclaycard prequalifier, they can be ok with BK showing.

https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action

Raiders1 · ‎03-04-2014

I would suggest one of two things. You can apply for a unsecured credit card at a bank branch (WF, BofA or a local CU). If they don't approve it a lot of times they'll counter with a secured card. Or apply for a store card backed by GE such as Walmart, they approve with lower scores. They might give you a low CL but you can request CLI every few months. Once you grow your store card and score you can apply for other cards.

Starting Scores: EQ FICO 648 - TU08 598 - EX FAKO 544 (1/2012)
Current Scores: EQ 703 - TU 767 - EX 750
In My Wallet: AMEX BCE ($22.5K), Discover It ($10K), USAA World MC ($9K), Chase Freedom ($8K), Fidelity Rewards ($5K), Citi Double Cash ($4.5K) Walmart ($4.5K),

wolfgolden76 · ‎03-04-2014

With this pre-qualifier do you know how it works?

I just put my info in and it popped up with a "recommended" card.

Are they saying that you could possibly be approved for the recommended card?

Sorry, new to the boards.

Starting Score: 517
Current Score: 575
Goal Score: 700

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