@Anonymous wrote:
I got a Continental Finance card almost a year ago.. it's working for me for now (they give $75 increases every 6 months.. due to go up to $450 CL in Oct... not a lot but hey whatever) However, I dont want to pay the fees forever. Yearly fee plus an activity fee. I want a regular credit card.
I have hauled my score up to 660+ (pulled from here) on both EQ and TU. I got a car loan in May at 7.9%. I think Im doing pretty good. I pay off my cc in full every month. It USUALLY posts on my CR with a $20 balance (fees).. I did a search on finance global for fair credit.. State Farm came up. That is my insurance company and has been since 1997. We have a good relationship. They state "If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 683, then your chance of approval may be greater than other applicants." While I am not a 683, I am bouncing between 660 and 665. It says 683 gives you a better chance.. but not that it is the minimum. Do you think it is worth a shot? Or should I apply for Target.. where I will most likely get a store credit card and hope that it turns into a visa down the road?
After I get one more card (so that I have 2 and can eventually get rid of continental and keep the other card to grow with) I am done for a while. I don't want to have a lot of credit out there right now.
Any suggestions?
Thanks.
I carry State Farm insurance. I also have the State Farm Platinums rewards CC.
I applied for my State Farm CC through my insurance agent and had an approval quickly. I was also told by the agent if you apply through them that the approval can be seen by them sooner than online and your agent will also get some kind of credit as well.
I consider my State Card CC one of my more stable CCs and, heretofore, have yet to see any AA.
BTW...they pulled TU for me in AZ
Message Edited by plasticman on 09-14-2009 08:09 AM
