Question about app'ing for new cards

[madmann26]

So, I'm in the middle of my rebuild. I have paid all of my old CO accounts and I only have 2 CA left to pay. Since September 18th 2012, I've been able to raise my score 79 points.

So, this morning, my AU Cap1 account finally report and my utilization is 8% across 2 cards. I am on my 2nd statement with the Cap1 and will be hitting my 1st statement this weekend on my NFCU card.

My question or quandrum is this, how soon do I app for something else?

[Revelate]

How many cards do you have now?  If it's 2+ and the AU, just wait it out till you get to roughly 640 - that opens up a whole wealth of new options for cards which are solid.  If you have less than 2 of your own cards, then I'd recommend applying for something else likely in the secured range.

If you need something sooner which has a rewards package, BOFA's secured card is an excellent choice with FICO's still in the 500's as they now offer their reasonable 1-2-3 rewards package on it.  

[brother7]

---

@Revelate wrote:

If you need something sooner which has a rewards package, BOFA's secured card is an excellent choice with FICO's still in the 500's as they now offer their reasonable 1-2-3 rewards package on it.  

---

I know someone who's in the same boat as OP. Is this the card you're recommending?

https://www.bankofamerica.com/credit-cards/products/secured-credit-card.go

[madmann26]

Right now, my FICO on EQ is about 590, based on the last alert from this past weekend from myFico. I hoping for a nice bump soon. As for the mix of cards,

I have 2.

Cap1 - AU

NFCU - secured

Thanks in advance,