Young credit report, want another card

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bobbyburns34
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Young credit report, want another card

Postby bobbyburns34 » Mon May 06, 2013 4:47 pm

not sure why my thread wasnt posted but which company should i try with?

on CK says im a 679

have a 300 limit on a Cap One secured card. Was $200 then raised to $300 a month ago outta no where.

had the card for 6 months, all 6 payments on time way before due date.

have no other bills or cards. so i have nothing but the cap one on file.

any help?


randeman
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Postby randeman » Wed May 08, 2013 8:35 am

I got all of mine with a fairly "young" credit report. See below. YMMV. Good luck!
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

bobbyburns34
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Postby bobbyburns34 » Wed May 08, 2013 11:55 am

thanks but i was wondering if there was a card/company that isnt too strict. i dont want to apply and get denied even though it might not happen since i actually have credit i guess

CCG
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Postby CCG » Wed May 08, 2013 11:59 am

Try CardMatch from CreditCards.com which only uses a soft credit pull to pre-qualify you for offers. Good luck!

namvet
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Postby namvet » Wed May 08, 2013 12:10 pm

+1 CreditCard Guru

bobbyburns34
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Postby bobbyburns34 » Wed May 08, 2013 7:30 pm

is that site legit?

and pre qualify isnt that good is it?

bobbyburns34
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Postby bobbyburns34 » Wed May 08, 2013 7:38 pm

Just did it and all it came up with was a few Cap one cards.

was hoping to move away from them

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Snowman
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Postby Snowman » Wed May 08, 2013 8:53 pm

You have six months of credit history right? what does your income look like? I make roughly about 12k (I'm a full time Student as well.) And I've been approved for every card I've ever applied for (save for the Blue Cash Everyday, but it's a softpull thankfully, and the Chase Freedom, but I got it on my second try.) If you are a Student, you can try to for 2 student cards, and if you have no other inquires either and your income is Okay for a student (idk if you are or not.) you can try for an Amex Charge card and one revolver (the Gold Delta is typically the easiest to be approved for.) Don't try for a difficult lender like Chase because they will deny you unless you have a high income as a student or you have student loans but are paying them on time for at least 6 months. Once you get to a year of history you can try for them. Good luck in whatever you decide to do.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

bobbyburns34
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Postby bobbyburns34 » Wed May 08, 2013 11:44 pm

im not a student.

only have 2 inquires on my credit report, both by capital one. one in 2011 which i dont remember lol and one in 2012 which i got approved for with the secured card.

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Snowman
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Postby Snowman » Thu May 09, 2013 12:48 am

Do you happen to know what your scores look like? and income? What are you mainly looking for? Cashback? Travel? just rewards itself?
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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