My credit score is 636. It has improved since I paid off all bills. What credit card can I get?

Question

I am trying to enhance my credit, but do not want one of those annual fee type cards. I applied for a citi card but they told me I will receive a response in 30 days. I am assuming I was turned down. I applied for a sallie mae signature school loan and was approved w/out a cosigner. Is discover or any other credit card easier to apply for with my score?

Answer 1

First of all, that doesn't necessarily mean that you are declined. I would hold off until getting that letter. As for which card to get, I would say none. Keep paying on that school loan and your credit will improve. However, if you are set on getting a card, I would probably first check with my bank. Most banks offer a credit card, not to be confused with the debit card of course. I wouldn't recommend Discover personally. Here are a few sites you can research your choice on...
http://www.creditcards.com/index.php?a_aid=1001&a_cid=1000&a_did=1005
http://www.cardratings.com/

If you are set on getting a card I would recommend getting one from a store that you like. That way you won't be tempted to use it for just anything.

Answer 2

Well, opening an account will lower your credit score as well as CLOSING an account too will lower your credit score. If your balance that you owe on your credit care is MORE than half your credit card limit, that will definitely lower your credit score. So the best way to increase your credit score is since you already have all those credit cards, spend a little on each once, pay it off every month and if you do that over a period of 6 months, your score will for sure go up. Just dont let the credit card company charge you interest becuase you only make the minimum payment. Just charge enough that you know you will be able to pay back the amount in FULL (to avoid DEBT) at the end of the month. Let me know if there is anything els eyou need!@

Answer 3

Speaking as a nationally known personal credit score and mortgage loan expert....

I have asked most banks that question many times. They completely avoid the question.

But credit score is not everything. If you have a bankruptcy anywhere on your credit reports, you will find it MUCH harder to get a credit card from a major bank not matter how high your scores are.

You can always start with a secured card--ONLY from a major bank. Try Wells Fargo and Bank of America.

Answer 4

Yea, If you got turn down on credit card, don't even attempt to apply again, because everytime you apply for a credit card, you'll have 2 points taken off (if i am not mistaken). So you gotta be real becareful with that. Try American Express, my score was 682 when i applied for American express and i got an initial credit line of $5000

Answer 5

You will start getting dependable credit card offers in your mail. You are correct. Don't choose one that wants annual fees, one month only sign up fee, etc. Throw those away Do not apply for a credit card if you are turned down. That will reduce your credit score. Just keeping watching the mail and eventually you will get one from a reliable company.

Best wishes.

Answer 6

Here are some links to compare credit card rates for which type of credit. In your case, you have good credit.

Answer 7

THE MORE CARDS AND CREDIT YOU APPLY FOR THE MORE IT SHOWS UP ON YOUR CREDIT... BE CAREFUL....
PTS ARE TAKEN AWAY FOR CREDIT APPLICATIONS...
DON'T HURT YOURSELF TRYING TO GET USELESS HIGH INTEREST CREDIT CARDS...

GET A BANK CARD THRU YOUR CHECKING/SAVING ACCOUNT////

Answer 8

apply to who ever is on your debt card visa,master but stop putting so many inquires on your credit