Re: Which card/s should I apply for?

Anonymous · ‎01-31-2013

Hi guys, i only have two open lines right now, one student loan, and one cap 1 secured (300). My most recent late was a 30 day on my student loan from 2010 so I have been been current going on 29 months now. My cap 1 card is only 7 months old and I've been perfect w payments. Prior to 2010 my credit was terrible and I have 4 open collections. Most are set to fall off this year or next. A couple cell phone bills and ford, but no ccs. So my scores are 592 exp 634 ex and 649 tu. What cards do you think i can qualify for?

eviLution · ‎01-31-2013

Walmart Store card and come back after 6 months bro.

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
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chnceit · ‎01-31-2013

Are your scores FICO or FAKO?

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening

Anonymous · ‎02-01-2013

Possibly the Cap1 Cash Rewards card for average credit and possibly a Barclays card.

Anonymous · ‎02-01-2013

fico

TiggerDat · ‎02-01-2013

My suggestion is that you wait for those baddies to fall off, your current account to age, and any inquiries to age as well. When those baddies fall off your score will jump and you will have much better oppotunities.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
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Anonymous · ‎02-02-2013

walmart and target are the easy ones

Anonymous · ‎02-02-2013

+1

Anonymous · ‎02-02-2013

Apply for Walmart Discover and Discover Amazon. You will defintely get approved. I have a credit history of just 8 months and recently applied for Chase Freedom and Amex Costco both of which got denied. Few people in this board advised me to apply for Walmart discover and Amazon which I applied this week and both of them were approved with CL of 700 and 400 respectively.

creditnocash · ‎02-03-2013

samss77 wrote:

Apply for Walmart Discover and Discover Amazon. You will defintely get approved. I have a credit history of just 8 months and recently applied for Chase Freedom and Amex Costco both of which got denied. Few people in this board advised me to apply for Walmart discover and Amazon which I applied this week and both of them were approved with CL of 700 and 400 respectively.

is the visa sig an au card?

as to the OP

i would suggest a walmart card(especially if you shop there), even if you got the store card they grow with you, and in that point stay away from target, as they usually give you a small line and it will almost never be increased

also is it only that one late? i would send a gw and state your case of why you were late or just say i was young and dumb and now that im older im looking to move forward in life, and this late is holding me back, and point out you have been perfect for the last 2+ years.

there is a sticky in one of the sub-forums for a sample gw letter

good luck!

p.s. also when you have a walmart discover/store card with estatements you also get a free tu08' fico every month.

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Which card/s should I apply for?

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Which card/s should I apply for?