Best cards to try for

[Anonymous]

I’m rebuilding

I currently have a secured cap1 $200 and a Total visa $300 not on ck or ex yet. Was wondering what cards should I try to get. My ex score is 611 Fico and from CK tu is 639 eq is 624 tried for Cap1 QS got denied

Wife got indigo from pre approval letter her credit is worse then mine but I have not even been able to pre qualify for it.

I applied for credit one said I was approved pending verification then got letter saying denied because they couldn’t reach me but they never called. Should I reapply then call them?

TIA

[mikesonthemend]

Well, you have a score, so let us know a little about your profile. As in your current accounts, and perhaps more importantly, your past accounts.

If you have current accounts you are very close to getting some opportunites for unsecured from DIsco and AMEX.

[pinkandgrey]

I would avoid Credit One if I were you. Hold out for prequals from Amex or Discover. Disco likes to be your first good SL, so watch those prequals. 

[Anonymous]

I have a 2 auto loans and 2 other installments all those are showing 100% payment history with cap1 $0 balance And $0 on total visa

I have a few neg a repo a old first premier account for 745 and another collection for $1213
And 14 ins over the last 2 years

On chase simulator it’s shownig I get another in’s my score will go up 21 points I’m thinking that can’t be correct.

[Anonymous]

OP—Don’t rely on any simulators. What are you doing about the collection and repo balance?

[Anonymous]

Repo Is at $0
And the other I would like to do a settlement for a lot lower then the total

[Anonymous]

Would it be wise to try for a Walmart or sams club card even if I get a low cl

[UncleB]

Moved thread to 'Rebuilding Your Credit' for additional exposure.

--UB

[Remedios]

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@Anonymous wrote:
Would it be wise to try for a Walmart or sams club card even if I get a low cl

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Do you shop at Walmart?  If you do, store card is not a bad option. I am a little concerned that your score may not be high enough yet. 

Is waiting a few months an option for you?

As the cards you have now age, especially the one not reporting yet, you can expect small bumps up and they may be enough to bring you closer to an approval for non secured CC. 

[Anonymous]

I shop more at sams but card can be used at both I can wait a few months

What branded cards would you recommend if any I tried for preqaul for Amex, disco and chase only got disco secured as a preqaul