Up to 640 now...what card?

Discussion in 'Credit Talk' started by uhackthis, May 17, 2002.

  1. uhackthis

    uhackthis Well-Known Member

    I went up a 639 today...What card pulls Equifax only as my EXP and TRU are still low...

    Help please!
     
  2. LKH

    LKH Well-Known Member

    I believe Target pulls only Equifax.
     
  3. jrjr35

    jrjr35 Well-Known Member

    LKH how sure are you that target only pulls EQ no matter where you live?


    Thanks
     
  4. LKH

    LKH Well-Known Member

    I'm fairly sure, but won't guarantee it. Do a search here for Target Visa, There is a lot of threads relating to it. Also, check here http://www.millcbs.com/search.asp
    Out of 27 listed, 22 were equifax.
     
  5. uhackthis

    uhackthis Well-Known Member

    OK...I applied for the Target VISA and received a Target Guest Card: $200 limit...Is this good or bad?
     
  6. mindcrime2

    mindcrime2 Well-Known Member


    From what I've read, that's a pretty typical initial limit for the guest card. You may be able to get Target to raise your limit before you activate the card.

    All in all, congrats on getting the card! :)
     
  7. uhackthis

    uhackthis Well-Known Member

    Thanks for the positive note. I am up 90 points since the start of my credit adventure in Mid-April and on my way to building my future....
     
  8. mindcrime2

    mindcrime2 Well-Known Member


    A 90 point jump in just over a month... Now that's impressive. :)
     
  9. uhackthis

    uhackthis Well-Known Member

    I just went back to look on CW. Actually, it was a 69 point increase. Was 570...now 639. Not bad though, I guess.

    Any other thoughts on a good card I will get approved for to improve my credit?
     
  10. uhackthis

    uhackthis Well-Known Member

    "bump"
     
  11. whyspers

    whyspers Well-Known Member

    I would wait until you are above 650 to start applying if I were you. I made the mistake of starting to apply for prime cards when I hit the 630-640 range and ended up with nothing but a bunch of inquiries. I really think prime anything only likes above 650-660. It won't be long before its higher and IMHO, would be worth the wait.

    I won't apply for anything else until I'm in the 675 or so range. I don't need any credit, and didn't even though I was applying all over the place. The inquiries hurt and not only that, having new cards reporting hurt my score as well and of course you have to use them at least a little just to get them reporting and active, but that lowers your score even more because having more than 4 or 5 accounts with balances hurts as well when you are in that score range.

    Anyway...just my thoughts on it.


    L
     
  12. mindcrime2

    mindcrime2 Well-Known Member


    You could probably get a Citi AA card with that score. The BDD may no longer function, however, I believe you can still convert to the platinum select once you're approved.

    Maybe someone else on the board can recommend some others.
     
  13. uhackthis

    uhackthis Well-Known Member

    Is there a way to apply for a certain type and if I don't qualify for that one, Citi will give me what I will qualify for?
     
  14. GEORGE

    GEORGE Well-Known Member

    With CITIBANK I was just DENIED...not given a different card...

    ...BUT I was on their BLACKLIST...since closing a "GOOD" account is (IN THEIR EYES) the same as NOT PAYING (collections)!!!
     
  15. uhackthis

    uhackthis Well-Known Member

    George,

    Do you mind if I ask your EQFX score?
     
  16. GEORGE

    GEORGE Well-Known Member

    800-114=???
    Do the math...

    :)
     
  17. GEORGE

    GEORGE Well-Known Member

    I have been as high as 711...
     
  18. GEORGE

    GEORGE Well-Known Member

    TO CLAIRFY I WAS ON THE BLACK LIST...I HAVE PLATINUM SELECT THANKS TO THE BDD...
     
  19. uhackthis

    uhackthis Well-Known Member

    George,

    Please help me out with the "BDD"?...Please explain.
     
  20. GEORGE

    GEORGE Well-Known Member

    BEEN THERE DONE THAT...

    But here goes again...

    I was DENIED 10+ times for CITIBANK...
    "PRE-APPROVED" on-line...DENIED
    "PRE-APPROVED" by phone...DENIED
    "PRE-APPROVED" by mail...DENIED
    Just called to apply...DENIED...
    Just mailed an application...DENIED...


    I COULDN'T GET IN THE FRONT DOOR~~~SO MY "BACK DOOR DOUBLE"...

    I applied for AASILVER instant approval $5,000
    AAGOLD 10 minutes later applied for AAGOLD instant approval $5,000

    When the cards came in the mail...COMBINED AND TRADED FOR PLATINUM SELECT (that was DENIED so many times)...

    ****PLATINUM SELECT $10,000****

    THE MOST IMPORTANT THING WAS THAT IT ONLY "HIT" ME FOR ONE INQUIRY!!!
     

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