What can I add to my wallet or what should I?

[Joecooltech]

 I am looking late this year to add a big boy credit card to my wallet And need your guys help . I have just paid off 100% of my debt and am not sure what card I should go after or if I would qualify. In my wallet now I have

Credit one bank 750 limit open2 years ago 0 bal on all cards

Cap one 500 open2 years

cap one 500 AU open 3 years

levins Fur. 2,500 AU open 2 years ago

mattress world 2,000 open 2 years ago

lowes AU 1,100 open 1.3 ago

Paypal smart 900 open 6 monthis ago

Walmart 600 open 7 Months ago

Jcp 150 open 1 year

American eeagle 150 open 1 year

Home depot 1,500 AU

My fico score now is 645 I have been rebuilding from my young days. Based on this what decent Credit card would i qaluify for?

[colindidit]

I would try increases on all the GE cards. Maybe apply for a chase freedom or amazon

[colindidit]

I can't think of any prime cards other than that tho, what's ur income like and inqs?

[Joecooltech]

 Income $48,000 inq 9 i know not good

[mnavas]

Two questions:

1- How recent are your baddies?
2-How many inquiries do you have on each reports?

I don't think you're ready to apply for unsecured prime cards with that low score...

You should add a secured card like Bank of America or wells fargo.. After a while they might be able to graduate your card into a secured one

[Joecooltech]

baddies are 6 years old how many on each i am not sure. i know i have 9 total inq

[mnavas]

Well in that case you have two options:

1-Add a secured card which will help you build more positive credit history

2-Wait until all your baddies are off your reports which i believe you only have to wait one more year and then apply for a prime card

You can also add more GE store cards but many prime lenders won't see them like "real cards" in a manual review of your application but in fico terms any positive tradeline helps...

[colindidit]

I wouldn't get any other GE card just my two cents. They grow with you but if I were in your shoes I'd call under writing and ask for 1000 on both walmart and American eagle and 1500 on paypal. It's only a soft pull

[mnavas]

Yes, thats other option ask for CLI to your current creditors... As colindidt says GE will give you a CLI without a hard inquiry on your reports... So theres no harm...but if i were you i'd apply for a secured card like Bank of America; it'll help you better cuz after a year they might graduate your card and you'll keep all the history... Good luck

[Anonymous]

If any prime card would give it to you, it would be DiscoverIT. But it's doubtful with your low scores. If you were like 690, it might happen. You can give them a shot but you might just want to wait until 7 years hit and your baddies fall off. Even just a small bump will improve your chances.