upmyscore wrote:My credit score is about 660. I want to get a credit card to improve my score. At this point, will a secured card improve my score?
I'm afraid to apply for an unsecured, get turned down, and have my score lowered.
Is it possible to get a card with this score?
Welcome to the forum, upmyscore!
The problem is you really haven;t given us a whole lot of information... is your score low because of a high utilization? Have you missed payments which affect your score negatively? Do you have a thin file? How many cards do you currently have? And most importantly- is this a real (FICO) score or a fake one you got off creditkarma.com or some other site such as that? As a general rule, getting a new card might hurt you in the short term, but in the long time... it should help your credit score..
Can you get a card with 660 (assuming that is a real FICO score? Sure, some people are even able to get decent cards with that score, but without more details (income, derogatory info, utilization) none of us on here could possible be able to answer that question.
The first place to start would be to research and find what goes into your credit score and get your "real" FICO score if you already haven't.
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- Sallie Mae MC $8000[1-14]
- Chase Freedom $4700[1-14]
- Discover It $2750[8-13]
- BoA UCF Alumni Cash Rewards $5000 [3-15]
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In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
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