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In need of store cards

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Established Member

In need of store cards

My credit history includes delinquent accounts and a repossession. Currently I have the repossession, a new car loan, an indigo cc, self lender loan, and 12 hard pulls. What are some suggested revolving accounts. Today I was also approved for a capitol one quicksilver cc.
Starting Score: 456
Current Score: 675
Goal Score: 705


Take the myFICO Fitness Challenge

35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















10 REPLIES 10
Established Contributor

Re: In need of store cards

@Lewisa410,

You said store card and not major credit so this does not directly sneer your question. But have you tried Discover? On their site you can check to see if you can pre qualify for a card and its only a soft inquiry. They ask a couple of basic/standard questions and you will have to provide last 4 of SSN.

Good luck








Message 2 of 11
Super Contributor

Re: In need of store cards

Definitely check the Discover prequalification first, their preapprovals are solid. 

 

As for a store card... if you’re an Amazon Prime Member, the Amazon Store Card is backed by Synchrony and tends to be pretty good for rebuilders to get a decent limit. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 3 of 11
Senior Contributor

Re: In need of store cards


@Lewisa410 wrote:
My credit history includes delinquent accounts and a repossession. Currently I have the repossession, a new car loan, an indigo cc, self lender loan, and 12 hard pulls. What are some suggested revolving accounts. Today I was also approved for a capitol one quicksilver cc.

If you just got approved. Its best to spread apps out. Check Disco pre-qual. If its a no go. Wait 6 months then ty again. Dont try the SCT it's a HP now. No more tricks.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 4 of 11
Established Member

Re: In need of store cards

Thank you. This was very helpful. I need all the guidance I can get. I am new to building credit...properly.
Starting Score: 456
Current Score: 675
Goal Score: 705


Take the myFICO Fitness Challenge

35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















Message 5 of 11
Established Member

Re: In need of store cards

Thank you for the advice.
Starting Score: 456
Current Score: 675
Goal Score: 705


Take the myFICO Fitness Challenge

35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















Message 6 of 11
Established Member

Re: In need of store cards

I am new to building credit. I was once told that it is good to have an unsecured cc and a store cc.
Starting Score: 456
Current Score: 675
Goal Score: 705


Take the myFICO Fitness Challenge

35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















Message 7 of 11
Senior Contributor

Re: In need of store cards

Thats why were here to help. You need 3 revolvers secured or unsecured in time. Just doesnt have to be like right now.  Stores card are looked down upon by some lenders. So you have 2 cards and a car loan. Use the cards. Only let 1 card report a balance of 5 bucks. The other PIF each month. As I posted earlier. Try Disco. If no go. Wait 6 months and try again. Time to let those accounts age and mostly the 12 inq's are a tad too many in a short period. With the repo and not knowing the other derogs. Work on cleaning them up if you can. In time you'll get there. But slow and steady wins the race. Took me 3 yrs to get where I'm at. And I stopped 6 months ago. No need for anything else. You can do it. Best thing is to ask here before you make any moves. Many have been in your shoes. Dont hesitate to ask. Good Luck!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 11
Established Member

Re: In need of store cards


@FireMedic1 wrote:

 The other PIF each month


What does this mean?

Starting Score: 456
Current Score: 675
Goal Score: 705


Take the myFICO Fitness Challenge

35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















Message 9 of 11
Established Contributor

Re: In need of store cards

Pay in full each month






Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


Take the myFICO Fitness Challenge




Message 10 of 11
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