- Centurion Member
- Posts: 1468
- Joined: Tue Jul 31, 2012 12:20 pm
- Location: United States
Bad news, dude. Stop applying for cards right now.
You have NEGATIVE utilization - your debt is higher than your credit limit. The one card you have on your report shows that it was closed by the lender (it won't mention inactivity) and you're still paying it off. Your credit limit is $0 and you've exceeded it. That looks terrible.
You're not going to get approved for anything.
Finish paying off that card and get yourself either a secured card from Cap One or, if you're a credit union member, see if they can help. You will NOT get approved for any normal, unsecured card.
Come back when you've used that secured card for 12 months. Then, we can work with you to get you a better card.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]