I am in the middle of closing on a house, which is very exciting. For that my lender pulled a 662 credit score. I can’t get a new credit card at the moment because I’m in closing until the 3rd of next month. However I am going to need one. I’m in a sales role at work where I have to take clients out every week which can be spendy. I get reiembursed for this but with a new mortgage coming in to play it would be extremely helpful to have a credit card so that those expenses don’t come out of my own pocket with real cash. Not to mention I know house emergencies come up so I would feel more comfortable having some credit. Since my work pays me back within a week my plan is to always pay off the entire balance of this card to help increase my score too.
Right now I have 0 credit cards. I did have a boa Alaska signature card and a BECU credit line but both of those closed. My new mortgage will be 2,904/month and my student loans are 375/month.
Any suggestions on cards I may get approved for? Or what’s the best route to increase credit score wifh credit cards?
FICO 8 - EX 617, TU 630, EQ 613
FICO Bankcard 8 - EX 610, TU 610, EQ 610
FICO Bankcard 5, 4, 2 - EX 665, TU 642, EQ 647
