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secured cards to unsecured cards & timing

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secured cards to unsecured cards & timing

I am rebuilding my credit. I haave had a capital one card secured credit card with a $200 limit for 2 and a half years.  i then got a second secured card through wells fargo with a $300 limit 7 months ago.  i also got a car through Audi financial in March which seems to be helping my credit a lot. My Transunion score is 675. My Experian score is 740. My question is, at what point should i ask for an unsecured card. I want a real credit card with better credit limits.

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Re: secured cards to unsecured cards & timing


@CannonScott wrote:

I am rebuilding my credit. I haave had a capital one card secured credit card with a $200 limit for 2 and a half years.  i then got a second secured card through wells fargo with a $300 limit 7 months ago.  i also got a car through Audi financial in March which seems to be helping my credit a lot. My Transunion score is 675. My Experian score is 740. My question is, at what point should i ask for an unsecured card. I want a real credit card with better credit limits.


Where are these scores from? Since it's only TU and EX, I wonder if they might be FAKO scores.  Any lates/collections/derogs?

 

You might want to try the Capital One prequal. No hard pull, is usually pretty reliable. It may suggest an unsecured card with them. 

 

Getting in with PenFed or NFCU if you can might be a good idea as well.

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne - $130,400 total revolving
5% Conventional Mortgage @ 3.25% July 2020
May 2020 - EQ/EX/TU Fico8: 689/688/679 INQ: 4/2/2 Util: 13.7% total, 4 accts reporting $0, 5 accts each under 30%
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