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minimum score for unsecured card??

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BrokaToe
Established Contributor

Re: minimum score for unsecured card??

Yep, Yep, that's the one you want to apply for.  Good luck, let us know how it turns out Smiley Happy


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Message 11 of 23
netsfan549
Regular Contributor

Re: minimum score for unsecured card??

Darn I got denied lol
Message 12 of 23
BrokaToe
Established Contributor

Re: minimum score for unsecured card??

Well crud, sorry to hear that.  Did they not counter offer anything?


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Message 13 of 23
rootpooty
Valued Contributor

Re: minimum score for unsecured card??


@netsfan549 wrote:
Not trying to.jump your thread but

I've had a secured card with capital one for a year. I've always paid on time. I've only seen my credit.jump ten points. Should I try to get another cc? Thanks

it depends on what util is reporting for the month. if its your only tradeline then yes i would add at least one other card maybe 2. i started with 3 cc's and you can see my score jump in my siggy.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 14 of 23
rootpooty
Valued Contributor

Re: minimum score for unsecured card??


@turts14 wrote:

On average what is the minimum score to get a good un secured credit card not a "bad credit" through orchard but a good card like through captial one?  Anyone have any suggestions on cards?  

 

I am currently at 639 - 605 - 617 

 

Thank you all 

 


have you looked into a store card at all? walmart isnt a bad idea if you shop there alot plus you can benefit from the free tu fico provided every month

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 15 of 23
Anonymous
Not applicable

Re: minimum score for unsecured card??

Would point out OP is quoting 3 scores.  Are these FICO scores?

Message 16 of 23
Anonymous
Not applicable

Re: minimum score for unsecured card??

A store card or perhaps a secured card by way of BOA, USAA, Cap One, etc.

Message 17 of 23
Anonymous
Not applicable

Re: minimum score for unsecured card??


@netsfan549 wrote:
Not trying to.jump your thread but

I've had a secured card with capital one for a year. I've always paid on time. I've only seen my credit.jump ten points. Should I try to get another cc? Thanks

That depends on a lot of things.  How many CC do you have now?   Are you building new credit or are you rebuilding with negatives on your report?

Message 18 of 23
netsfan549
Regular Contributor

Re: minimum score for unsecured card??

I only have one just capital one secure
Message 19 of 23
rootpooty
Valued Contributor

Re: minimum score for unsecured card??


@netsfan549 wrote:
I only have one just capital one secure


it would be more help to you if you start your own thread and list your current ficos along with the cards you have with limits, inquiries on each reports, any lates or derogs on your reports, and what cards you want to seek

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 20 of 23
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