Store Cards and Credit to Debt Ratio Help

[Anonymous]

I would rather have one Visa or MasterCard with a $2500 limit, then to have six store cards.  I will try the Chase prequel as suggested.  I only have one secured MasterCard for $300.  After a month I received a 26 point bump on Equifax, a 56 point bump on Experian, and are you ready for this I lost 38 points on Trans Union??  Thank you for your advice.

[Anonymous]

Do you qualify for NFCU?

[happypill]

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@Anonymous wrote:

I hear what you're saying there, however with my three FICO scores being 635, 640, and 652, I have yet to find a credit card like Visa, MC that will approve me.  I just got denied last week from the Barclay Visa.  That is why I was looking to obtain a few store cards that are easier to obtain to raise my score higher to qualify for a regular credit card.  Does that make sense, your thoughts are greatly appreciated.

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You scores look to be in range for Capital One cards.  You should try the QS1 and if you take care of it you can get the AF removed within the first year.

[Anonymous]

Capital One Journey > Capital One QS1.

[Anonymous]

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@Anonymous wrote:

I hear what you're saying there, however with my three FICO scores being 635, 640, and 652, I have yet to find a credit card like Visa, MC that will approve me.  I just got denied last week from the Barclay Visa.  That is why I was looking to obtain a few store cards that are easier to obtain to raise my score higher to qualify for a regular credit card.  Does that make sense, your thoughts are greatly appreciated.

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Cap One approves people with those scores all the time.

[Anonymous]

The Chase Pre Qual said I would qualify for the Chase Freedom Card... No Guarantee though... How is it that they can prequalify you without checking your credit?

[Anonymous]

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@Anonymous wrote:

The Chase Pre Qual said I would qualify for the Chase Freedom Card... No Guarantee though... How is it that they can prequalify you without checking your credit?

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Chase is golden. Jump on it.

[Anonymous]

You guys are the Best!

Congratulations! Your response for Chase Freedom Credit Card has been approved.

You'll receive your new card and Cardmember Agreement in 7-10 business days. When your card arrives, please confirm you received it by logging on to Chase.com or calling the toll-free number provided.

• Your new account has a credit line of $3,000.

Wow - Thank You...!

I'm done now.

[Anonymous]

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@Anonymous wrote:

You guys are the Best!

Congratulations! Your response for Chase Freedom Credit Card has been approved.

You'll receive your new card and Cardmember Agreement in 7-10 business days. When your card arrives, please confirm you received it by logging on to Chase.com or calling the toll-free number provided.

• Your new account has a credit line of $3,000.

Wow - Thank You...!

I'm done now.

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Rock on!!!!

[Anonymous]

Toldja dude!