Odds of Approval/Beginner

[Anonymous]

Hi,

im new to this whole credit thing, and need some help, right now i have 3 credit cards only one of which im the primary account holder

Slate - AU 2700 CL, Amazon Visa - AU 500 CL, CapOne Secured 201 CL... I Have two medical collections from when I got into an accident a year ago and I'm trying to negotiate with the hospital instead of the collectors, I have 13 inquiries from the past year, in May, 4 will pass the year mark and 4 are utilities like comcast since im becoming independent and i recently did the discover it which was declined but got offered the secured version which im probably gonna take. I really want another card thar i would be the primary user and also i would like to know how to update my address with the bureau since they all have my old one, which cards do i have the best odds of getting approved for. Aaoa - 1.1 years, utilization 32%, CK FAKO: 616, SW FICO: 608, CapOne credit tracker: 634

[nhl1508]

Did you check for preapproval on any of the big credit card companies? also you can try the card match too.

[Anonymous]

I've tried but none offer me a preapproval or congratulations screen... I think it's due to my address change, how can I update that?

[msbia]

Please take the secured Discover IT offer, it's one of the best things I did. The CSR that I spoke with told me that it will graduate if I keep up the good payment history. Oh and I would app for the Walmart or Amazon store card. GE is very generous with scores in the 600. Good luck OP!

[jamie123]

I would also suggest the Walmart card. You will probably start out with a small CL but they are very generous with CLIs. You also get a free FICO TU score every month after signing up for electronic billing. It will really help you build some history.

[B335is]

Try Barclays pre-approval, if they don't give you a pre-approval offer you might have a chance with a GE card.  Your options will increase considerably once your Fico is over 650.

[Josh2942]

I would go for any GECRMB card. Especially ones that can be converted to a major credit card. I think almost all their store cards except amazon which is a chase visa can be upgraded.

[Anonymous]

is GE inquiry shy or collection shy?

[Anonymous]

Update: I applied for the Walmart card and I got the 7-10 day message, what are the chances of getting an approval with the 7-10 day?

[asulaw]

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@Anonymous wrote:
Update: I applied for the Walmart card and I got the 7-10 day message, what are the chances of getting an approval with the 7-10 day?

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Try to recon it, I'm not sure how the Walmart card works (boooo, Target all the way ) but I am sure that there is some way to recon that decision.