I want to apply for unsercured credit cards but I'm not sure wether I can get them or not. I don't want to hurt my credit by applying and getting denied I had 2 collection accounts and I paid them off. Here are my scores Highest score 649 TransUnion 2004/03/18 Middle score 629 Experian 2004/03/18 Lowest score 614 Equifax 2004/03/17 What kind of credit cards can I apply for without being turned down and hurting my credit. Please advise Thank you in advance.
Here is what I got approved for (9 months out of BK): Target Guest Card ($200 starting limit, increased to $500 in 3 months with good payment history) Go to Target.com to apply. Do not apply for the Target Visa. Household Bank Mastercard ($500 limit unsecured) applied at orchardbank.com Good luck
Do you know what CRA do they use at Target.com? Also I would like more replies from members that have been/ are in my situation Thanks a lot.
Target pulled EQ in Kansas/Missouri. I, too applied for household with scores about the same and was approved for $500.00 (they pulled EXP). Cap 1 with a $300.00 limit also pulled EQ.
Thank you guys. I did exactly what you told me. I applied for Target Guest card (Not the Visa) and got approved for $200 I also got approved for BestBuy (bestbuy.com) $500 limit today. They pulled Equifax, I think they also approved me for the Household MC 500 since they do do one inquiry for both cards. Thanks A bunch, I love you all and good luck to you. I will keep you posted!
STAY AWAY FROM MACYS AND SEARS Macys pulled Exp and Sears uses Citibank did EQ. Now what's next? Sit and use them?? Apply for more??
Sit and use them for about 6 months, always pay down the balances, don't max them out. Then apply for something more "ambitious"
9 months have passed now. I got $200 Target Guest always on time $ 500 Best Buy ----- Went to $515 once --- Never late $ 500 Household ----- Went to $535 once --- Never late $ 300 Cap One----- Never late What do you think my next step would be? Apply for more credit cards? Which ones? How do I increase my CL on the ones I have? I'm counting on your help and thank you so much all, witout you I would never have any credit. FACO Scores as of 2004/12/14 Highest score 663 Experian Middle score 651 Equifax Lowest score 645 TransUnion -------------------------------
You really need to get the scores up to 680-690 and above. Keep paying as you have been doing, and that will happen soon. Also, as the other poster suggested, call and ask for a CL increase. I wouldn't apply for anything else yet until your scores are higher, you don't need the Inquiry hits lowering your score at this point
