@Anonymous wrote:
I have had a VS credit card and a secured Visa credit card for a little over 1 year now always pay on time BUT my debt to credit ratio was over the 30percent allowance for awhile but I have paid it down.I also am with a credit repair company to remove some derogatory older things from my credit report (and they have removed a few things so far and they are still working on my behalf) I just want to be able to get a credit card without it being secured.my credit karma score is 586 (that being the highest) I would at least like a credit card with a couple thousand dollar credit limit. I forgot to mention I also have a account a a furniture store $1000 financed and payments are made ahead of time on this account. (2-3 months ahead as I am trying to pay it off early)
In your position I would attempt to get into a credit union since they are better for rebuilds, they are not on the level of big banks but they are not as low on the totem pole as store charge cards and or some of those same SYNC/Comenity co-branded cards.
Most people are struggling with Cap 1 and Barclays but in my eye both of those mid level bank cater more towards people who rebuild than those with exceptional credit. I don't have as much luck with either bank, but those with lower scores and newer to credit have more luck. I think of Barclays and Cap 1 as starter banks, those who scores or profiles aren't perfect but need a stepping stone before moving on to a bigger tier bank.
If your report is less than perfect then trying for major cards like BOA, CITI, Chase, etc will be alittle tougher not impossible just tougher.
The main thing you need to do is formulate a plan first and design it so that what your doing fit's your needs and you don't have to keeping wasting INQ and opening accounts. Need to make a list of store you shop at the most where your spend goes to the most and look for cards around those things you shop/buy the most and plan for those cards only, not get one card as a stepping stone to get the next, about 80% of the people do that and I don't think that is smart, just leaves you in a 3-4 year rebuild for something that literally takes only about 12-18 months to establish if you do it right, unless you have negatives on your report then your at the mercy of those negatives until they are gone.
