Pls help!!

[Anonymous]

I need some advice on which card i should apply with fico score 8 628/625/615, fico bankscore 8 626/635/629 i know its not a good score and dont want to blindly apply for card that i will not be approved.
Currently have cap1 platnium anf quicksilver one.
Thanks in advance 🙏

[gdale6]

Welcome to the board

It would be easier if you let the members know what your derogs are as well.

[Anonymous]

Thanks for quick reply. I have 1 collection from tmobile which is paid. On CK it shows 0 derog.

[tedb]

I personally would apply for a Discover Secured card. After 5-6 months of on time payments it'll graduate and you'll get your money back. 

[Anonymous]

But i already have a secured card from cap1 almost 2 years now.

[tedb]

You want that third credit card to help your credit score. Check out this thread for assistance:

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding...

[Anonymous]

Thanks @tedb

[Anonymous]

You may want to go check out multiple sites to see if you are prequalified for anything before applying.  It will only be a soft pull.  Discover was mentioned above and I would start there first.

[Anonymous]

Thanks! How much i should deposite? Sorry im so new at this

[Anonymous]

Deposit however much you can afford. The more you put in, the higher your limit is and the more it’ll help your utilization percentages.