@Shadowfactor wrote:
Welcome to the forums!
Can you provide some more details about your credit profile such as number of accounts, age of accounts, AAoA, AoYA, FICO 8 scores etc.
There’s too many variables in play to make educated guesses off high 600’s score. There’s a lot more to your credit report then just your fico score.
An example : one of the moderators here was just declined for a travel credit card with an 800+ credit score because he wasn’t aware of a accounts/number of months rule. More and more banks are developing anti-churning rules. Not saying this applies to you but it’s good to have all the information so we can Help you make the best decision.
With all that being said. If the scores mentioned are FICO scores (not credit karma/other free apps) you could have a decent shot at the JetBlue MasterCard. Being that it’s a cobranded card, the UW requirements are usually less strict then other travel cards.
+1 Shadow. On another note, that was cold milk for Special K
@Anonymous wrote:
So I have been improving my score all payments are always on time yada yada. Now I applied for a P.C. Richards and Marshall’s card and was approved scores high 600’s only report unlocked is TransUnion. however the one and only next card I really care to apply for is a travel card because I travel JetBlue a lot not just to me but with my kids as well. Has anyone had any luck in applying for travel rewards card with their score in the high 600s? Is it maybe best to wait until I hit the 700 mark? Would I have to have all 3 reports at the same score and unlocked to apply?
Since you travel a lot on JetBlue, the bureau you want pulled is TU, and your scores aren't very high, the logical choice is a Barclays JetBlue card. I love the JetBlue cards, but hate Barclays, but what can you do?
The other best way to get JetBlue points IMHO is the Citi Premier card, where the points are pretty easy to get and they trade 1:1 for JetBlue points, which are for me worth around 1.65 cents each.
Unfortunately, Citibank is unlikely to pull TU, more likely to pull EX.
@Anonymous wrote:maybe wait a few month for better score, and for longer AAoA.
in the meantime, check to see if you are prequalified for an amex Gold charge card. It is a partner with jetblue, and it is overall a better card than jetblue card with barclay.
It wasn’t entirely clear which JetBlue card the OP was interested in but if it’s the annual fee version.....
While the points earning may be better then the JetBlue card.
Amex sure isn’t giving you free baggage on JetBlue which can add up to some serious savings if you’re flying JetBlue a lot or with a family.
Of course the Gold card definitely has it’s perks/benefits as well.
OP,
your scores are pretty low and the credit lines you have are on the low end. I would personally garden for 3-6 months. Let those scores increase, ask for some CLI and continue to build your credit profile.
You may be able to get a amex charge card with your scores and may even be able to get the JetBlue card but you’re on the low end of approvals IMO.
Do you you have any negative items reporting ?
you can try the JetBlue prequalified trick. Go to buy airfare and type your info it and sometimes it will tell you if you’re prequalified for the card before completing payment.
@Anonymous wrote:
Would best bet be to just hold off from any more inquiries get my score higher to 700 or bit higher then apply?
I don't know, it's really your call. Sure your chances will be better the higher your scores are.
As @Anonymous points out, the Amex Gold is a pretty good card. Amex charge cards like that are probably easier to get than either the JetBlue or Citi Premier would be.
I disagree with @Anonymous about it being better than the JetBlue card. The JetBlue gives you more bang for your buck than any other card if you use JetBlue a lot. But Amex is a lot better institution than Barclays, though.