Looking for a Credit Card...can you help me?

[Johnny_Favorite]

I have a 673 Equifax, but the other bureaus are not so good of a score.

Can anyone recommend a credit card that may have at least a chance of approving me, even if with a low limit?

They should probably pull Equifax. I am in California if that helps.

[LS2982]

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@Johnny_Favorite wrote:

I have a 673 Equifax, but the other bureaus are not so good of a score.

Can anyone recommend a credit card that may have at least a chance of approving me, even if with a low limit?

They should probably pull Equifax. I am in California if that helps.

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-What other card do you have?

-How long have you had them?

-Any Baddies??

[OptimasPrime]

You should take a look at whogavemecredit.com 

That will give you an idea of what you would qualify for that would pull eq in ca 

[Johnny_Favorite]

I have a US bank secured - $300 limit. Just reported.

1 reposession charge off about 6 years ago.

Should I just wait a year to get experience with the US bank and let the repo drop off?

[jamie123]

Apply for the AMEX Zync. You should be approved if that is the only negative on your report.

[LS2982]

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@Johnny_Favorite wrote:

I have a US bank secured - $300 limit. Just reported.

1 reposession charge off about 6 years ago.

Should I just wait a year to get experience with the US bank and let the repo drop off?

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Yes, good idea. Also make deposits on the secured card though the year. Try to get it to 2K.

[LS2982]

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@jamie123 wrote:

Apply for the AMEX Zync. You should be approved if that is the only negative on your report.

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Not sure AMEX would approve with 1 TL with less than a year history and a repo on file.

[AZHeather]

You may have to app for another secured card.  Do you happen to bank at a CU?  If not, you can try to get a secured card at BofA, Chase, or WFB.  Once you have 2 secured cards, you do as suggested above and try to get both credit lines over $1,000, then garden - use them and pay them in full,on time, every month for 6-12 months.  After that you should be eligible to either switch them to secured cards, and/or get approved for a better card.

Good luck.

[Burned2manybridgesB4]

LS's right. Get the limit up. Bigger numbers merit the same when it comes to new approvals. Nobody likes to be the latest issuer of the biggest number, but most will match/keep close.

[Burned2manybridgesB4]

I'd be more concerned about that repo resulting in a judgement, since it's a contract, depending on your SOL/state of residence. Even if it falls off after CRTP, they might gun after you, if your fico goes any direction upwards, as they're typically notified by the CRA's.