With a 606 credit score, which cards can I get?

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With a 606 credit score, which cards can I get?

Postby kimball » Tue Jun 11, 2013 4:19 pm

I decided to apply for a credit card before I graduate in the spring. I applied at four companies: US Bank, Citi Bank, Capital One, and Discover. I was declined by all of them.

Discover sent my a letter that stated the following for rejections: Serious Delinquency, too few accounts paid as agreed, and lack of recent revolving account information.

I don't understand these reasons when this will be my very first credit card I ever had. I have student loans but I read on various sites that they do not affect your score too much.

What should be my next move? Any help with my situation is greatly appreciated!

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Postby kimball » Wed Jun 12, 2013 10:01 am

I've been researching a few things around the internet. I've come to a conclusion that a secured credit card capital one secured card would be great for me. I also been doing some research on Barclay card rewards MasterCard. I believe its geared towards average to poor credit. Which do you guys believe is great for me?

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Postby dickey1331 » Thu Jun 13, 2013 12:16 am

Have you been paying your student loans?

Also, have you done a free credit check on yourself to make sure everything is good?
American Express Blue Cash Preferred $16,000
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
Chase Sapphire Preferred $6,500
Chase Freedom $4,500

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Postby agp » Thu Jun 13, 2013 5:48 am

Don't get a secured credit card, especially not with Capital One. Don't get any cards with Capital One. Start off at your local credit union, preferably when you have a job, because CU usually ask for your paystub. Also, check your credit report to see why you have a 606. If you need more specific pointers, just message me, I'm in the tristate area as well.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Postby MemberSince99 » Thu Jun 13, 2013 6:43 am

Serious delinquencies tend to result in scores like 606. No prime bank is going to approve, as you saw. Any inquiries with them is just going to be a waste. You could argue at this point it doesn't matter, and you're right, but it won't do any good and has as much chance of success as you driving your car to the moon.

Pretty much your ONLY options are: Being added as an Authorized User on someone else's account, a credit union as suggested above, the likes of First Premeire or Credit One (the absolute bottom of the credit barrel), or possibly a secured card, but with serious delinquencies and that score even that won't be so easy to get. I see those being your only options at this point.

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Postby DoingHomework » Thu Jun 13, 2013 4:39 pm

Wait a minute...what delinquencies do you have? You need to get a free credit report and make sure there is nothing on the that is not yours. If you do have delinquent student loans then, yes, that will have a huge impact. I'm not sure who told you student loans don't affect your credit. They definitely do. You are going to need to get yourself current on them before you'll be able to get anything except possibly a secured card. And if you get a secured card there is some chance any creditors you are delinquent with will try to get a judgment to take your security behind the secured card.

Bottom line - clean up your past debts first.

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