Recommended Credit Card

[TryingVeryHard]

I would appreciate if you guys can recommend me a credit card I could apply for given the following information: FICO SCORE TU: 605, EX: 623 EQ: 639

Balance transfer or 0% is best. Let me know. THanks

HOME DEPOT 420/500 *** NO missed payment. Being paid monthly (opened 2 yrs ago)
HOOTERS 150/1000 *** WILL not use until fully paid , just opened on 12/14
OLD NAVY 80/300 *** NEWLY OPENED CARD, just opened today 12/22
FIRST PREMIER BANK 150/300 *** Opened for 3 months now.

Message Edited by TryingVeryHard on 12-22-2007 07:34 PM

[heirophant]

http://www.whogavemecredit.com

Site has helped me a bunch in deciding on which CC's to apply.

[coachhenson]

www.financeglobe.com

I stumbled across this one, too.  It has been VERY accurate.  You can do a score match search for cards.

Good luck!

[SmartCookie]

TVH, you have 2 or more open rev TL's right?  Who do you have cc's with now?

No BK no unpaid collections?

[TryingVeryHard]

I will edit the Original post to reflect this info you asked. Thanks

[SmartCookie]

Thanks TVH, that helps a lot.

Are you getting any pre-app offers, especially WaMu?

Do a quick pre-qual check at both Cap1 and HSBC online to see what they are offering.  If it's anything decent...HSBC is going to give you a better starting CL.

Set up an online account at www.wamu.com so that you can see their MC offer.  You can't see the offer unless you are registered with email addy. Six months of 0 APR for both BT and purchase.  BTs have a fee though.   They're pulling EX lately for a lot of people and you're EX FICO is around what DH had when he got a 0 AF 2.5k CL with a pre-app from them.   I would be very surprised if you were not approved.

[SmartCookie]

BTW if you can pay down (or off on the smaller ones) some balances (especially HD and FP) to reduce your UTI so that it reports before app, that is ideal.  I know you are wanting the possibility for BTs so I don't know if this is possible.  When DH got approved for WaMu his UTI was in the 30% range give or take a small bit.  This will really increase approval chances and CL.