Best credit cards for average credit score in 2013?

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Best credit cards for average credit score in 2013?

Postby 3am » Mon May 27, 2013 3:50 pm

For someone with an "average" credit score, which are the best cards you can qualify for right now?

A year ago when my girlfriend who has a 720 tried applying for an American Express she was denied and when she called up to ask why, they said it was because her score wasn't good enough. 720 is around average I thought. If that is not high enough than what kind of credit cards can you get with this type of credit. Are the score requirements or qualifications looser for 2013 than they were in 2012?

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Postby MemberSince99 » Mon May 27, 2013 5:29 pm

Really with Amex it's always YMMV. 720 is more than high enough for one of their charge cards. And it wasn't so long ago 720 was considered a really good score. Even now, it is, though they've raised the bar. But I'd say it's above average.

Yes in general, I've read stories of people getting Amex charge cards with 670 or so, same for Discover and Chase Freedom. They tend to have some older accounts though.

Did she try for one of their revolvers? Those may have higher standards and that could be part of the reason why. Here is what she might consider - app for one of their charge cards. It has easier approval criteria and the first year is free (except for Platinum). After 6 months of good usage with that she could try again for the revolver if that's what she was denied for.

If I'm guessing wrong and it was a charge card, then it must be due to other factors such as limited or no revolving credit.

Anyway based on score alone, I think she's fine a lot of cards, but they don't just weigh that. If you can give more info on her history like cards/length of time/limits/utilization and so on it would be helpful.

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Postby Calipso » Mon May 27, 2013 6:23 pm

I'll always recommend Chase Freedom for people with average credit. It's a good card and has a solid system for even the low budget spender.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

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