What have you been approved for with a 670 Fico?

[House2021]

I have over 20k  between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

[coldfusion]

It might help if you list the 4 cards you have now in order to avoid getting recommendations for cards you already hold.

[House2021]

Capital one Walmart ($400 CL)

capital One Quicksilver ($3000 limit)

Ollo ($2600 CL)

Discover ($3000 CL)

[KJinNC]

Check Amex and FNBO prequalification. You might possibly slip in with either of those. JMO, good luck!

[Anonymous]

Of the cards in my sig, the following were approved at or below that score:

All Amex cards except Platinum

Target

Lowe's

Home Depot

VS

Overstock

Both Discos

CapOne

Firestone

Kohls

[CreditCrusader]

---

@House2021 wrote:

I have over 20k  between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

---

IMO, you're right on the borderline for Apple card approval. If you have an iPhone, you can check from the app with no hard pull to your credit.

[padme]

its been 8 years post BK7 still 650s have 2 car loans and 24 cards at 258k , alot of offers arent available to most anymore, but comenity closed 3 cards not long ago for like 47k overstock and wayfair, even IKEA.

[House2021]

Creditcrusader is the apple card a good card to have?

[Anonymous]

---

@House2021 wrote:

Creditcrusader is the apple card a good card to have?

---

For my own experience, I like the card but my family is very heavy in the Apple ecosystem, so it made sense. Without being in Apple, it wouldn't make a lot of sense. I bought my daughter a MacBook Air and accessories as a grad gift on 0% financing with 3% cash back, so that was a good use for it. If you use Apple products, and can use the financing and 3% on them, it's a worthwhile card to have. 

[Anonymous]

---

@House2021 wrote:

I have over 20k  between 4 student loans excellent payment history, 5 or 6 charge offs paid this year from 5 years ago, one car repo from 5 years ago (unpaid), 4 credit cards in great standing with low limits, no Bk or foreclosure what card should I apply for? I want no annual fee, looking forward recommendations from someone approved with a similar profile.

---

I had a 5 year old BK13 with my scores around the 670ish mark all 3 of them when I got approved for my Amex, Navy Fed, Cap 1 and Rooms to Go cards.  But everyone is different please keep that in mind.  I did have a mortgage and car loan on my credit report that Im paying for