For a 725 credit score, which cards are safe bets?

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muziker
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For a 725 credit score, which cards are safe bets?

Postby muziker » Mon Apr 29, 2013 12:16 am

Greetings,

I am planning on applying for a credit card soon and am seeking recommendations for a card that I would definitely be approved for and ideally would have a decent credit limit ($1500+).

I am a college student and have had a secured visa card for a year. My Experian credit score is 725 and my Transunion VantageScore is 712. Something I noticed on these two credit scores is that the Transunion includes 2 of my parent's credit cards while the Experian only listed the card that I opened myself.

My main question is if I should apply for a student credit card or if it is likely that I would be approved for a regular credit card from a financial institution. I want to make sure that whatever I apply for I will very likely be approved for, as I don't want more than one hard pull especially since I know more hard pull(s) will be coming as I find a new apartment. I ask about the possibility of applying for a non-student credit card as I know student credit cards typically have quite low credit limits, even though I have a decent income. The priority though is on getting approved.

What student or regular credit cards would you recommend I apply for that would be safe bets for application approval?

If it helps here are the negative factors listed on my credit scores:

  • "You have too few credit accounts"
  • "Time since oldest account opened is too recent"
  • "You have no retail revolving accounts that can be used in determining a credit score"
  • "The available credit on your open revolving credit accounts is too low"
Thank you for any helpful replies!


muziker
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Joined: Sun Apr 28, 2013 11:42 pm
Location: Chicago

Postby muziker » Tue Apr 30, 2013 1:01 pm

Any thoughts at all? I have been contemplating the Citi Forward card for college students, but realize that it may likely lead to a low credit limit since it is a student card. Might this card be a good choice or should I go for a non-student card?

Gamma
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Postby Gamma » Wed May 01, 2013 12:11 am

Are you mainly looking for a credit card that would likely approve you with a credit limit greater than 1.5k or with specific rewards? I would think maybe I would shoot for the citi forward card (non student) or maybe even Discover since you've managed to keep the secured card open for a year now with no baddies and imo, somewhat easy to be approved for. Discover might probably start you off with a low limit though since they're a conservative bank. What is your credit limit on your secured card and what is the bank you have the card with? You may get lucky and ask if you can get your secured card unsecured and start you off with your first unsecure credit card

muziker
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Location: Chicago

Postby muziker » Wed May 01, 2013 3:17 pm

Thanks for your reply Gamma. I am looking for a card that will likely approve me with a higher credit limit rather than place the priority on a great rewards program. My credit limit on the secured card is $250 (awful, I know) and it is through PNC bank.

I don't want to get a new card through PNC as I am hoping to change banks in the next few months as PNC does not enough convenient branch locations where I live and overall I haven't enjoyed my time with that bank. For now I am looking to apply for a card through one of the big CC companies, Citi, CapitalOne, etc.

macmovieman
 
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Joined: Sun May 05, 2013 12:33 am
Location: Irvine, CA

Postby macmovieman » Sun May 05, 2013 12:43 am

The easiest cards to qualify for (in my experience) are CrapOne, Providian, and Merrick. Good luck and be careful not to get too many inquires trying to find the right card.



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