BEST Fair Credit Credit Cards / Average Credit Cards in 2021 - FICO Credit Scores 600 - 650 - 700
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- Опубликовано: 5 сен 2024
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#creditcards #faircredit #averagecredit
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NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Adam, are you able to do a review of the AAA Member Rewards Visa Signature card? I believe it's offered through Bank of America. Just got an email about it, and it looked interesting. Thx.
Whoa right after watching your video and reading the comments I have capital one platinum and I called an upgrade it a product change for the Quiksilver and I just got approved I have a 580 credit score
I started with Capital One Platinum and a Credit One Platinum. When I hit a 750 credit score I canceled the Credit One card. It was a horrible card, but it played a role in rebuilding my credit. I still have the Capital One card.
Absolutely agree with you Credit one bank is one of the worst to get. I'm so glad i closed my acct
I like Merrick Bank I have a card with them as well and two with Capital One. All are decent cards to start out with.
Credit one is charging me interest every month. Not a lot, usually between 60¢-$1...but I make o time full payments every month, since I opened the acct.
When I called to ask, they said “oh that gets reimbursed to you the following month”. She kept deflecting my question and couldn’t give me an answer. The reimbursements are not the same as the interest. It seems like they are trying to literally nickel and dime me.
Anyone else? Check your statements.
Thanks!
:)
After all is said and done, it is completely up to the lender to decide what is poor, fair, very good, or excellent.
When you gave the status of credit score (fico) you hit the nail on the HEAD‼️
This is one of the best videos ever made. Thanks for all the information appreciated.
I started out with capital1. And loving it. I jumped up 40 points💪🏿💪🏿🙏🏾😎 yall better tighten up! Just pay the total amount each month b4 your due date. And you'll see your score jump
Thank you! Just got approved for the Capital One Plat with 615 credit score! On the mission to building my credit.
Unsecured?
@@mblackman1170 Yes it will arrive in acouple of daya.
Use discipline and smart credit usage and you'll have better cards in no time
646 FICO score, got approved for apple’s card 👍
I started out with the capital one platinum .
Everybody does.
Same here
Discover somehow let me start off with a Discover It card at 20 years old with a $2000 limit :O
@@ItsRagingRay Did they ask for your photo ID to verify? Also did they call you on the phone or was it an instant approval? Did you go in the bank or online? Thank you so much this sounds amazing I’m 20 years old too.
@@venimprincess sorry ashlee i'm late no it was online and i just had to answer some questions that only i should know
I just got the capital one quicksilver card in March and I had a bottle 580 when I got approved for it. Since getting bit my score has jumped 85 points
May I ask what your score was
@@evolutionindisguise9499 when I got the card it was between a 580-595 now it is a 680 across all three boards
I'm finally in Capital one.
I wanna be like Nelly one day “ running credit checks with no shame now”
I hate having fair credit because it’s like your approval odds can go either way where areas with bad and good you kinda have an idea what you’re getting and what not lol
Excellent vid cause I fall in a grey area and you helped out alot.
Another straightforward and informative video. Thanks. Have. Great weekend.
I got a Discover it with a fico of 579. It’s a secured card but it helps me to rebuild after identity theft. Capital one denied me. Discover has no annual fee and cash back. Thanks for your vids.
Which discover card do u have exactly
Nicole Cuesta I have the plum color Discover It. Great perks and so far already reporting to bureaus. Got 17 points increased. Good luck to you.
Nicole Cuesta are you considering a discover card?
GOATRODGERS12 Yes, I qualified for a Discover it card. The plum colored one with a $200 Sec deposit . And it already showed a 34 point increase and a $0 balance (obviously) since I haven’t used it. I normally pay balances in full before due date & statement dates.
OllO looks like it should be owned by Jeep.
Wal-Mart is now Capitol one
I got the amex everyday (non preferred version) got approved with a 700 (credit karma) and my income was 34,000 at the time and 6 months avg credit age. Initial credit line was $1000 is now $9,0000
Did they increase your cl automatically or did you have to request it? I’m looking to get mine raised too.
I was approved for an Amex Gold with 650 Experian Score(no preset spend limit)...I have one 6.5 yr old collection & 1 charge-off, 7 positive accts...🤷♀️
You were on the edge, I think the 7 positives pushed it through the algorithm
Remember. If your a fair credit applicant you make these companies more money than bad credit and credit card gurus....
Thanks to jamesocct on telegram for the fresh cc you are such a great💯 card from him
Can you do another update of this video for 2021 please?
Really impressed with Navy......
DTL ratio is also a big factor to consider, a person that makes $100,000 a year with a 775 Fico score with a high DTL ratio will get a lower limit card than a person that makes $50,000 a year with a 695 Fico score but has little DTL ratio, in another words, cant owe everyone & there brother when applying for a card, get your cost of responsibility or accountability down as low as possible,,,, cant owe $3000 a month in bills when you make $4000 a month in income, get your DTL ratio down to below 25% of your monthly income, if you accomplish that task you don't need 775 to get a good card,,, also don't expect to get open arms if you have lost homes or cars or bankruptcies, they take 5-10 years for Fico to turn the other cheek,,,,
john thompson / To help clarify: : “DTI” = “Debt. To. Income.” Ratio. It is not - “DTL.”
@@artofbusiness7593 maybe he meant “Debt To Limit”?
I just got the capital one quicksilver card in March and I had a bottle 580 when I got approved for it
I started with a montgomery wards credit card that was bought out by Walmart.
I didn’t know that I have both
and they haven’t said anything to me about it,Now Capital one is working with Walmart but I never heard of Montgomery wards getting bought out by Walmart
@@nickcoebirdsong9727 Their credit division was bought out a long time ago.
@@nickcoebirdsong9727 Me either. Everything at their website still says Montgomery Ward . There is no place that says anything about Cap One buying MW. I was just at the website today, as a matter of fact!
I had the Cap One platinum card I kept it for 6 months and paid Cap One on time and mostly in full. I called them up and asked if I could product change to the Quicksilver card and they said yes without a credit pull. This card is normally for higher scores but I got it lower showing Cap one I could pay my bills. My wife did the same thing she product changed to the Quicksilver card. After 1 year. We are happy. Granted we don't get the bonus like if we applied for it outright. But hey shows progress. I also have the Quicksilver one card the 39 dollar one I haven't been able to product change that one yet.
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
700 score is not fair it’s in the “good” range
Yeah,but nobody’s gonna take you seriously until you hit 720+
But if you're going to buy a house, FHA defines a 580 score as fair credit too. I guess they agree with Fico.
You can get an FHA with a 580, but very unlikely. You will pay PMI every month!
Thank you for the info. Apple Card approved me. I didn’t want to go around applying card to card
The last time I checked 680 to 739 is Good Credit and 740 to 800 is Great Credit
Exactly!!
Yep but over 700 is much better odds than upper 600'ss
08/30 Bank of America 6000 line of credit 708 Experian Pull
Btw annual income is a factor but don't lie on it or embellish it. My income is limited bc of where I work but I've not been denied for cards since I hit 700 score and my limits while low are workable this time next year I hope to have 750+ score and much higher limits but I'm v r ty happy with my progress in last 1.5 years
Discover denied 728 FICO Score: too manny inquiries in past two years.
Actually I just get a new discover card 5k limit......
Experian and Trans Union
I think Discover is inquiry sensitive when deciding to extend credit. I know someone who applied for the Discover Secured card and had several inquiries in a 6 month period and was denied.
@@johnmckinstry6057 I have 10 inquiries on my experian and I still get approved from Discover. Also I have both savings and Checking from Discover.
@@clippdiaz7015 That's probably why you got approved, because you are already one of their customers.
You should do a video for credit cards that woukd do bussiness if u have a bk on file either you burn them or not. Synchrony won't accept me even tho I have a 664 with a credit limit of 15k
Capital one always deny me with a almost 700
No offense, and you may define scores differently, but your not FICO. I think it's good that FICO does that, makes people enthusiastic about building credit. I have 4 cards, 659 FICO and nearly $15K of credit, and being offered good cards all the time. 5 years cedit history, below 30% Utilization, On time payments. The key is showing responsibility.
We appreciate your hard work
Chase is not a "fair" credit card.
With the otto credit card, when you apply they ask for your car information, I dont think i will apply for that ,
Excellent video as always. , I started with the Journey card after one year of low utilization and paying on time it helped me to get other cards with higher CL. 👍
I was approved for the Mercury Mastercard with a $1500 limit with a 608 fico and a 665 transunion, I took a small hit when the hard inquire hit, but not bad
What bureau did they pull?
4 points?
Great video! Always delivering
I'm 720 and I've had bad credit and still do I haven't had a credit card since 2000.
My Fico is 740 transunion 724 Equifax 702 I had a secured discover card. That raised my limit to 1500 and I got my deposit back have had credit for 9 months so my question is what score do I scale to this video?
I'm in the same boat I just applied and was accepted for 2 cards the Capital One QuickSilver and the BOA cash rewards card
The first few times I've attempted to get a credit card I was getting denied left & right, than I got my first checking account and asked for a credit card it wasn't happening without a 500.00 down payment then they'll start me off with some credit so I gave up.
About 2 years later I started making more money, I opened up a bank account with Bank Of America. A few days later I opened a business account and they let me get a credit card as well but I'm guessing it's because I was opening a business account?
When I first got approved for a credit card I got the capital one platinum card. I was at 680 with no credit history, so I was denied a few times before getting approved for that card.
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
@@AshleyCMoore That doesn't apply to her, she said she had NO CREDIT History! Now she has one card. She obviously doesn't need any credit repair!!
Apple denied me with my 660 credit score. Didn’t get a path offer either
I talk when I got recently denied for the Apple credit card And they said there’s no guarantee that you’ll get an offer for the past to Apple it just happens at random
@@jamesmoore8873 I did the prequal a while back & it was a no go. I think I'll just wait until right before I need my next phone & then try it again. By then my credit score should be much better than it is now.
I'll make sure to do the prequal again first, so I don't have to take a hit on a hard pull!
@@latachia_2981 Yeah that’s what I’m a new my next card I’m gonna wait for them to be around March of next year when my newest car is at least a year old
Apple denied me for 4 months in a row, I applied again last week but this time I had my cart filled with a phone I was going to purchase and I was approved. Unsure if the cart has anything to do with it as my score is hovering around 650 since first applying.
It’s a blessing, they only report to TU.
I have 2 cc’s but plan on cutting one off next year I have a 733 score
dont cut the card off, just keep it. Keeping the cards is good for your credit history.
1.5x speed... you're welcome
Amazing! Thanks 😊 lol
Ben Shapiro?
i applied for the apple card with a 650 and got denied
Can two or more people using the same Prime account each be able to apply for the Signature card? Thanks and great video.
I got approved for the CFU W 645 FICO
I have a 730 credit score with a account with capital one secure card. I really want to apply to another card with a high limit more benefits etc.
You cute
Petal 1 Visa ... it's time for the next step!
Call them up & ask them to do a product change. You could probably get changed to one of their better cards with your good credit score. If you can get the product change, there probably wouldn't be a hard pull. Even if there was, it would just be a few points . Just tell them what you are interested in getting & I'm sure they'll be able to hook you up with a much better card than the one you have now!
Merrick is good they have an annual fee, but report to all three bureaus and raise your limit frequently. Cards like Apple only report to one, do your homework.
Got approved for apple card with 3k cl and petal 2 with a 500 cl but they dont mail it to po boxes so I closed the petal card they dont help much so I have a free hard inquiry
Apple only reports to Transunion, so won’t help your score much.
@@annettehurd9391 wow!!!! Didn’t know that
why is my credit wise score and my experian score and my credit karma completely different they all have a different number
You have to take into consideration that it depends on which credit scoring model is being used like fico, fico 8, fico 9, vantage etc etc. Scores are retrieved from different credit bureaus so your cc score may vary across all the cc bureaus. Also consider the time your credit report was pulled also plays a factor because it may or not have yet reported the bills you've paid.
I applied for the Apple credit card and didn’t get approved with a 618 experian
Do you think it’s due to debt to income ratio?
I didn’t get approved with a 726 credit score lol
That is possible
I am trying to figure out what card to apply for next. I just got a card with my bank 1 month ago and wanted to get another one
@@WhitneyChakara I am trying to figure out what card to apply for next. I just got a card with my bank 1 month ago and wanted to get another one
Think you’ll make a updated secured credit card? Wells Fargo no longer offers the 10k card limit card its replaced by a student secured credit card.
Can we please get an update to this video
Was updated in early February.
@@ProudMoney is this the February update? or is that another video? This is the first 30 seconds of being on your page.
@@TheHollywoodList 2022 update: ruclips.net/video/p_MSp0FlZ8A/видео.html
But my FICO score is always much better than vantage, why is that?!
I have the Capital One secured card for about 9 months, I am hoping to be graduated. I honestly could’ve applied for the Platinum unsecured card they have.
I had a 300 credit score when I started building my credit and got the Capital one platinum unsecured car in March 20 20
Cap one secured does not graduate any more
Cap one does not graduate. Discover certainly does.
blkbeauti05 yep i just found out today after a year...waste of time
hey i watched two of your video for fair credit nice information how many timespan you product change with CO1. I've did it once would like to product from quick silver to the venture x . i know you product change with them a few time in the past im in the low 738 score
Great video
So how come i got approved for the amex green but not the apple card
Maybe because of the annual fee for the Amex
I got a credit score of 524,cant seem to qualify for any card,how can I build my credit if no one wants to give me a chance for a credit card
Self credit builder
Start of with a secured credit card
@@IAMTHE1_ *secured not unsecured
Join a credit union.
Ask someone with better credit (above 640) to add you as an authorized user. It's said your score increases 50 to 100 points. Don't know for sure. But it supposed to increase your score
Check your credit history for hard inquiries.
Stop applying for a while.
It's recommended to have no more than 14 hard inquiries in 24 months.
Try finding accounts that have soft pull approvals.
Soft pulls will not ever show as hard inquiries.
These type of accounts could mean store shopping cards. Having them doesn't mean using them, but it shows that you can handle credit.
I didnt know you can take cash off a credit card
Yes you can but I never borrow against my card for cash.
@@chrisgaddy8672 I see they charge you interest for that, well it's good to know in case of emergency 💯
Has anyone bought a house recently? What is the range for being approved? I'm rebuilding my credit, I'm around 600 and have the discover it card.
Do you have a VA loan available to you by any chance? Because I had a 580 (yeah, I know) when we purchased our house (now all 3 are in the 720s) and we were approved for a home.
I also used a VA loan. Raised my credit 64 points in about 3 months. ,Paid off a ton of debt. Check with your lender on which things to pay off. Paying some things off wont help you if they’re really old. ,Just pay off newer stuff. Also got my friend to add me to his card as an authorized user which bumped me up 19 points over night. At the time the lender pulled my final score i had 600, 635 and 700 with the 3 companies and so the VA took the middle one and i got a 3.25 interest rate. My house is 405k. One thing that helped me is my salary is 200k.
What if you’re rebuilding your credit and it’s currently in the mid 650 to 660 range and you have old charge off accounts with some of these issuers, and let’s say the charge off happened almost 4yrs ago, would you advise trying to apply for new cards with these issuers. Love to get your thoughts on this subject. Thanks
Issuers don't like being burned, so you very well could be rejected. you might want to call to ask snd see if you can get a feel for the likelihood of approval before you actually apply. customer rep might tell you something that helps you decide.
@@ProudMoney thanks. would that put me in a position of re-starting the clock on the charge off? Or make them eager to want to collect on the debt, even though it’s been sold to third party?
once it is sold off they would not try to collect but they would still have you in their records and could choose not to lend to you again.
@@ProudMoney that’s what I was thinking too. Last question, since the original debts are with the credit card issuers, can I dispute the collection accounts that are associated with those charge offs? Seems unfair to have two negatives on a single charge off.
I got a charge off from capital one 3 years ago and they gave me a new account recently so you can get another account
I started my credit journey with the cap one quicksilver card, @Adam what was your first cc card ?
It's all about debt not credit
Heya Adam, quick question & anyone else that may know - I really wanted that Walmart Capital One Card for that sweet 5% on Walmart puchases, I have good Fico credit (>700) but they rejected me on the grounds that I had recently been pending / processed for a Capital One card (I did, about a month prior & was accepted for their student card). Do you know if Capital One allows you to hold more than one card from them at a time & if there's a time window to observe between applications? Thanks!
I have 4 capital One cards. I have the Walmart credit card, The Cap One Journey card, The Venture One card and the Quick Silver... which was originally Cap One Platinum. I did a product change. I had this card for 2 years. It was my 1st. I didn’t use it much. I used it for Netflix, I put it on auto-pay. My CL.. is $500. I have asked for SEVERAL CL increases and they deny ME every time. Reason: recent use of this account’s credit line has been too low. I started using the card more ie.. paying cellphone and power bill. (Close to max out) But I pay it off every month. I never have a balance. I think, they want you to carry a balance. I won’t. SO, I guess it will FOREVER be at $500 credit limit. 😩😡
Thanks for the replies guys, I’ll ask in a few months or so maybe if I could do a product change. Sucks to hear they relish carrying a balance, but I guess that isn’t too surprising.
Yes you can have more than one I have 3.the platinum quicksilver and walmart
If anyone got approved for the Amazon prime card, under 700, could you please share the score you got approved for?
Thanks!
:)
And what limit you got too if you don’t mind.
:)
I had a credit score of 670 and got approved for 500$
630 / $1400
They gave me 2k on a 700 score
Trying to get a credit card but my credit scores is 620..don’t know the credit card am
Going for
sameeee
Try the Discover It secured credit card
With a 600 score I got the quick silver unsecured and the capitol one platinum
Start with capital one quicksilver or platinum or quicksilver one card depending on score. If you pay it off every month before interest and use rewards it is a good place to start. My score 1.5 years ago was 480. By not paying interest and using rewards my q one card made me money and capone also gave me a platinum card with no rewards. My score is now 720+ and I can apply and get ccs from other companies my platinum card I'd now a quicksilver card with two limit increases and I cancelled my quicksilver one card bc of the annual fee. I have a apple card and an Amazon prime rewards card w no annual fee and better rewards and lower interest rate.but id never have got there without capone approving me for platinum and quicksilver one csrd
I need help. .. I can't decide from capital one platinum or secured capital one. I have 590 fico score.
Platinum. That’s the one I got and I believe my score was at 580ish. I got it back in Feb 2020 and got a limit increase last month and my score is at 620 now. I also paid off some other debts though. Either way, it’s a good one to start with
I would go for the secured!!! because then you know you will get it because they could ask for a deposit of $99 $200 or It was 50 or $59 deposit. And they will give you a $200.00 deposit. After 5 months thay can make it un- secure credit card. GO LUCK!!!!
MY SCORE WAS 607 AND THAY ASK OF ME $99.00.OF $200.00 CREDIT LIMIT.
@@patrickwilson4902 You can still be denied for secured card
I would go for the Platinum (unsecures) I got it with multiple derogatories and below 600.
So I ended up with the platinum. With a credit score of 595.
Hello! Thank you for sharing how can I get better credit. I'm trying to increase my credit score I get approved from capital one $300 and after that I recieved unlimited by chase $900. When can I apply for another card? My credit said I have 4 application for cards.
Jeanethe Tejada Batista is sit back a year an let those grow along with your credit score.
Jeanethe Tejada Batista I have 7 cards America Express, BOA, Discover ect that how I got to 780 in 6 years keeping utilization under 10%
Just use your card pay off at the due date and keep the utilization under 30%. Also have a good relationship with the banks. They will increase you in about 6 months.. I went from 0 zero credit cards in 2014 to 10 ten in 2020. Around 25k credit limits total
You are my super hero lol
They need to remove Chase from this list and probably Amex also.
Naw I just got the Amex reserve last week. Experian FICO: 656
@@GodLikeMikeLive did you Pre-qualify before you applied ?
@@jayvito86 Yeah, I checked if I prequalified first.
@@GodLikeMikeLive I have the same FICO score, If you dont mind me asking, what type of credit limit did they start at? Im only wanting to apply for cards with 1k -2k limit as i need to get my debt ratio a little higher.
@@GodLikeMikeLive I’m curious as well :)
Can I double like this video. Gosh.
What should I do with 500 credit score,,I want a credit card with no startup fee
Get capital one platinum or quicksilver you might need to put money down but that will boost your credit
Sometimes it's just best so you can get started
@@mvngel818 thank you,,I tried both didn't qualify for either.
I don’t understand because when I login on my experian account it says 671 equifax is 620 and transunion is like 640 something. Yet I still get declined for credit cards
For one: it's key to know which credit card issuers pull from which credit bureau. Secondly, which cards are you applying for? They might call for a higher score. Also, you may get denied for other reasons. Aside from your score, they look at debt to income ratio (how much you owe), how many recent negative items (collections/unpaid charge offs), and then are you carrying a high balance/utilization on your cards (>30%)....
@@koreypaul6698 I’m not sure which cards exactly but it’s not the really nice ones just the basic ones I’m sure that doesn’t help but my debt to income is 14percent I don’t have any real debt just student loans and I paid off my two items in collections so it’s not there anymore and my credit card utilization is zero. But I really appreciate your feedback
@@nicolebrit33 No problem! My scores are around where yours are so I totally get it
Not all 671s are created equal. Was your score higher a few months ago and it’s dropping to 600s because of high utilization?
Or
Where you 550, with no credit and you’ve been slowly moving up to 671? Lender is more likely to approve latter > former.
What is the easiest card to get if I have a score on all three bureau's around 630 between all of them. With an income of $50,000
You should be able to get any of the Capital One Cards, You may even be able to get a discover with a deposit of $200.00 or more.
I would definitely tell you to join NFCU they will have some cards for you. I have two cards with them + checking and savings.
My Income isn't as high as yours but my score is a little higher and i was approved for a more rewards card for $10k.
Give em all a try you never know who may take a chance on you.
@@chrisgaddy8672 I would love to get a city card but I’ve heard they’re really hard to get into just like Chase
Something that have me confuses is my credit score by credit wise capital one is 628 and in Experian I have a credit score 656(wich I paid) to check my credit. So wick credit is the correct?
Both scores are probably correct, however, the Credit Wise score uses the VantageScore 3.0 scoring model and the Experian credit score is calculated using the FICO scoring model. Most banks check FICO scores when making decisions on extending credit. Fewer banks use the VantageScore model.
I have 600, 640 and 700 score with the 3 bureaus so my lender picked the middle one, it depends on who you’re working with and which score they pick
That a lie I applied for apple card with 690 fico and got denied
Yea I don’t get how some people are saying it’s easy to get approved that people below 700 would get the Apple Card
John Doe LOL I was approved for Apple Card with a 578 ! I have my real time credit rebuilding journey on my channel.
John Doe I have a 780 score an approval odds for this card for me says ok not excellent like the others
I know I applied for the Apple credit card and I didn’t get it either
I checked the pre-qual & it was a no go for me! I won't apply for a card that the pre-qual says it's a no go!
👍🏾
Mi crédito esta en ( 520 / 550 ) 😞😞😞
O si ok muchas gracias muy amable por la información👍👍👍👍
Capital one todavia alluda asi yo empese y con open sky no te daña wl credito empiesas con 200 pero alos 6 meses sube y tu credito tambien.
I hope the best for you! I was also in the same situation with my credit! Good luck! !buena suerte!
Surprised you didn't mention any Discover cards. They're target market is average America with fair/average credit scores.
Discover was mentioned for sure in the sort of big 640-700 score zone.
@@ProudMoney Ah...must have missed it. Thanks!
Blair Group That’s not true. I was approved for Discover with a 580 FICO
Skip to 4:00 for the list of Cards
Hey, those first 4 minutes are important! 😀
@@ProudMoney True, but ppl tend to skim through videos so I might as well give them a clue haha
Just got Amex gold and Amex platinum Delta skymiles with 652 FICO
What how ?
How?
Paying your credit card bills in full before your statement date, revolving credit lines, low utilization, installment loans and keep your hard inquiries to below 4 every 6 months
Credit limit?
No preset spending limit on Amex Gold and $2100.00 on Delta Skymiles. Delta Skymiles is a regular credit card.