are there any prime cc for me?

[Anonymous]

Hi, I'm a newcomer to this site, so be gentle.  I have a FICO score of 686.  I have an Orchard bank credit card from 2007 that now has a cl of $800.  My balance right now is $0, but I want a card with a higher limit and better interest rate/perks.  I also have a Macys and Kohls both with $0 balances.  I have an old medical bill collection from 2004 and one charge-off from same year.  What better cc would I qualify for with the following scores:  686 EQ, 740 EX, and 721 TR?

[Anonymous]

Your scores are looking pretty decent!

Have you considered handling that medical collection and charge-off that will hang on til 2011?  There's lots of helpful info on HIPPA and PFD on these boards.  That'll open some doors AND your scores will really take off.

In the meantime, you'll also get some good recommendations for cards as you are - good luck with your efforts.

[MrChairman]

Shoot for the Discover More card, hands down one of the most feature and cashback combo cards out there today! You won't be disappointed, I'm not

-The Chairman

[Creditaddict]

American Express is really pushing the Charge Card right now and I have seen much lower scores get approved. and it's free for the first year so go with like the gold plus, then after a year if you can't stomach the $175 annual fee, product change to the green or Zync