BEST Fair Credit Credit Cards / Average Credit Cards 2023 💳 FICO Credit Scores 600 - 650 - 700
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- เผยแพร่เมื่อ 31 ม.ค. 2022
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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to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video.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!
Can you please do a video about applying for a 0% interest card? Which one should we apply for and is it better to do a balance transfer or Apply for the card?
Personally I only apply for cards that have a pre approval process. I’ve never been pre approved and then denied on their website. Capital One, Apple, Mission Lane, Navy Federal, Discover Amex etc have pre approval process on their websites. Helps gauge where you are.
I got the capital one platinum card last year to build my credit history and scores. A year later capital one offered me to upgrade that to the savor one rewards card. My scores now are in the 700s
That point about applying for cards with banks you have a relationship with already is huge! That definitely helped me when I applied and was approved for cards with B of A and Wells Fargo. Definitely look at the card lineups at banks you have banked or invested with for some time, it does help.
Thank you for a straight forward and easy to follow video. I’ve raised my credit score 53pts in 6 months and wasn’t really sure where I stood. This has helped me make some really informed decisions. Look forward to seeing what your other videos will be about.
Always a great topic. Agree 600-700 is decent scale. Nice breakdown. Thanks for the upload!
Man I’ve been waiting for this video
Target Red Card will approve you with a 640
Thank GOD for uncommon favor with these credit cards companies! Great video!!
Thanks. Informative!
Great content man , way to mix it up thank you can’t wait for the next vid
Adam
Always a great topic you discuss when it comes to this. You listed all the good ones that I have seen. As with everything please read terms and conditions.
I remember when I finally passed 700 it was quite the milestone for me.
I find FICO to be higher than vantage and FICO updates faster than Van & Exp. In my experience FICO usually has my highest score of the 3
I'm 745Fico
732 Trans & Exp
Good video 👍🏼
Great videos. Thank you. 😊
A key to a great credit score is knowledge and I’m sure glad that I get to watch your videos to take in all that knowledge. Thanks Adam!
I agree 100% on fair credit range being 600 - 700. Once i hit the 690s i started getting better approvals. And you're right its also about your income and overall credit profile. Other honorable mentions for folks in this range:
Elan cards (owned by US Bank) available at many CUs & small banks
Synchrony Premier MC or Paypal MC
Most Platnium (not AmEx) or balance transfer cards
Some of the Fin-Tech cards, i.e. Tomo, One, Sable, Chime, Varo, etc
Great list of other card ideas, thanks.
YES, you are doing very good, thanks.
Great content as always, thanks Adam!!!
Applied for the Disney Visa card back in April got denied but opened a savings account with chase a couple days later then applied for the Disney visa again about 10 weeks later and got approved with a 3100 dollar credit limit. The banking relationship idea really does play a role on increasing your chance of getting approved for one of their credit cards
I just became a Navy Federal member today! So stoked!
Same here! Congrats 🎉
@@ReadySetGame-sz4pr congrats 👏
I love NFCU!!!
If you're credit is good the banks look at 3 things your income your payment history and your utilization
Have a 765 experian score 742 transunion just got the Amex platium but turn down for the venture x was very disappointed
Been waiting on this one
I have watched this video like 4 times and I still find it entertaining
Thank you! You are doing the lords work
just worked on getting my girlfriend's credit up from 560-630 ish (vantage dont know her fico) - i referred her to southwest for the bonus since we always fly southwest, she applied for the cheapest SW Airlines card ($70 annual fee ) and got an "under review" - if that doesnt work we'll at least go through her denial letter and work on those factors that need approved
Great video. I was able to upgrade my CapOne Platinum card to a no fee Quicksilver.
What do you do, call them or did they offered it through mail?
My favorite is discover card
My Vantage Scores are comparable to my FICO 9 scores.
I just want to come on here to thank you for your recommendations . I have applied for a my first Discovery Card since my journey on repairing my credit. I was just approved for my highest limit ever. 🎉Thank you again your video was right on time.
What was your scores? Who do they pull from
What was the limit that they gave you and wat was your credit score when u applied
I apply for the capital one silver one and i had to call because they never ended up giving me an answer after submitting the application and all they said was my account was flagged and I need to contact my credit bureau smh
Do you think opening a chase checking account before applying for the chase sapphire reserve will help with approval?
Yes but it probably depends on how long it is has been open and whether you actually use it vs. just parking a little money in it and never touching it. No guarantees, though being a good customer usually counts for something.
Vantage is much, much lower for me. Like 50-60 pts lower.
My vantage experian score is 30 points below the fico
People say that sometimes, FICO usually seems to be the lower, though.
I got pre approved for both a cap1 savor1 card and the nfcu more rewards… i already have a cash rewards card from NF/ and a walmart rewards by cap1.. what one would you go for?
Savor 1
Sometimes the location of residence helps or hurts your chance of approval.
This is the year Adam breaks 200k subscribers, !!! Great content without the extra junk to just get people to watch longer like some of the other creators.
I appreciate that, though I'd settle for 100K 😃
@@ProudMoney don't settle! Ya gotta believe!
I meant 300K 😉
@@ProudMoney there you go!
This guys all wrong. Im sorry you have 600-640. All you can get is a secured card. Maybe a 400 limit captital one. U aint getting an apple card
With chase cards you will need to have at least 1 year of credit history before you apply for them for new comers
The Aspire cards aren't bad for between 600 700 in my opinion 🤷🏼♂️
in my experience, my fico is always around 690-720 and my vantage score is always very very low 600s like 605-640- i could never quite figure it out. I dont have any collections or negative trade lines - fico seems to ding me less for my negative factors like "too short of time since newest account open" or credit utilization
I am opposite my fico is mid 600s but my vantage is 710
I was approved for the chase sapphire preferred and Amex gold with a 690ish score but with a 120k income. A lot of credit card limit increases since the high income.
Yep, income matters!
Well what’s chances does a income of $77k have looking at capital one X and Amex No Af & platinum ????
@@Anthonyjones-pq4ff I wasn’t approved for the capital one venture X, they have a different scoring system that doesn’t match with my 720+ credit score. But I would try and just pull the trigger on the Amex. Once you’re approved for the Amex card you won’t be hard pulled anymore.
Have to avoid hard credit pulls though....
Hello Adam what if your score is 732 with equal & 753 with Tran Union
& 656 with Experience
What chances do I have with chase have more then 5 card s in the 5/24 rule
But if you pay off your bill at the end of the month you shouldn’t worry about the interest rates
Got the Ollo with $1500 staring limit and no annual fee. Goes to $3000 with 5 months of on time payments.
cant apply, only shows a link for those who get invite code??
Nice! I ended up getting the Ollo Optimum Card with 2.5% Cash Back on all purchases. My Fico was around 630 at that time. It was before they just changed to Aly Credit Cards now.
have no Fico from no credit history but a 630 vantage. 30k in linked bank account and got declined on petal makes alot of sence.
I got denied for petal.i don't understand them
Maybe your petals from flower not pretty enough 😅
So this is a bit off topic but I was wondering if I add an authorized user with a bad score will it impact me negatively and bring me down or just help them raise their score? Oh, and btw my Vantage score is much better than my Fico score.
Adding an authorized user with a bad credit score won't hurt your score.
My advantage is 30pts higher than Fico.
My vantage 3 shows about a 20 point difference between the two
My VS has always been lower than my FICO scores. VS range from 720-740. FICOS are 740-770. Idk why. And my VS are usually more volatile to change where my FICO scores change less to new accounts, hard hits etc.
Yes I totally agree with you!! My Vantage scores are lower than my fico 8 scores. Currently my transunion vantage score is 658 but my Fico 8 score is 717. And yes my FICO scores are less sensitive to hard inquiries and new accts as well. I just recently opened 6 credit cards in the past two months(credit card approvals are addictive- lol) and my fico scores have improved not dipped whereas my vantage scores seem to have taken a much harder hit. 🤷🏽♀️ Since Lenders care more about Fico I totally ignore my vantage scores. Lol
Vantage is crazy volatile!
Go over 30% on a single card out of 12, even though your total utilization is only around 10%, POOF, score drops 50 points!🤣
My current issue with credit is that I just got a job after spending some months unemployed/recovering after a hospital stay last year and can't list income really to apply or acquire another card to build credit. My utilization is pretty high but I'm starting soon and not sure how quickly my score will climb after I pay off the card. Debating on waiting to pay off that card in full or getting a new card to increase credit amt/lower credit utilization. Most of the cards I've seen here dont seem like they fit that niche. My score isnt horrible by any means but its near the mid 600's not sure what to do atm.
It may be worth looking at an unsecured personal loan to consolidate the credit cars onto, if you can get an interest rate that is significantly lower than your credit cards, then work on paying off the loan as quickly as possible.
Not only will it save you money, and lock you into a fixed time frame to pay it off, but it will improve your credit by lowering your utilization, and diversifying your account types.
Just don't load up the credit cards again.
Good vid informative BUT jus like all these guys they don't do it throurough he should tell which bureaus they normally pull for each card IMO 🤷♂️
My credit scores are in the 630-660 with two debts I am paying off and at this time, I am holding off approval for a credit card from Credit One Bank American Express Rewards Card.
Don't do it u don't want that annual fee
Don’t do it, they’re an awful company that add random charges, makes making payments difficult, and has bad customer service.
I only have 2 credit cards open and a car loan. Very thin. I have 3 inquires coming off my credit this year and was going to open 3 new cards now. Should I open more and not worry about so many inquires.
No
I would hold off getting three new Credit cards.
3 inquiries should be ok Your credit seems reasonable good most banks don't like seeing you have too many cards you only have 2
Hilton AMEX will approve you with a 680
As usual nice summary and explanation with specifics. Even with good credit I found that Navy Federal Credit Union was more generous with high credit limits than USAA. I had the American Express Gold when they use to have offices for walk in clients around the US and traveled for business but it’s NOT worth the annual ridiculous fee they charge nor is it necessary unless it’s for business.
the Platinum card is tier 1 good card for starting out.
Apple one is a poor credit card I give the store card 0.01 stars and the visa/mastercard 0.75 stars?
what kind of credit is needed to get the Lake Michigan card 8.94 interest rate and First Simmons bank about 7.94 % rate?
Chase Slate came out about the same time as the Sapphire the Basic and the regular?
Quick silver is there cash back card?
if you ask me American Express has no charge cards they have revolving credit cards and open credit cards.
I would say same credit score , on the credit report they don't list the level you have they list the type of loan .
yes a person with a 650 credit score can get a platinum if they want one. A janitor who doesn't make alot of money can get any credit card.
the more the history the easier it is to get some card, history is important but it's not the only thing.
I've been with chase about 2yrs now. And they gave me a pre approval for both sapphire cards and i went for sapphire preferred & my and my score was 680 something it all depends 🙃
Another question did u have history on ur credit profile or was it just a clean profile
@@AMHouseOfPain History about 2-3 yrs worth
They tell you that a credit score has nothing to do with the approval process..
Merrick is very decent.
Chase is hard pull.
very close i was able to get two cards from us bank at $500 per card with a 640 score
I got one secured,are the ones you got unsecured?
I`m almost up to a 600 credit score according to Experian. I`m rebuilding my credit from 4 years ago when I couldn`t pay because of being in an auto accident. I can`t apply to the major cards because I had them. Including Walmart Mastercard, Krogers, Best Buy. I`m done with secured cards I had 2 I canceled 1 and getting ready to do the same to the other. I have 5 others unsecured but low limits, 300-350 dollars. What to do? What say you?
What secured cards do you currently have. I would say stay away from credit one, first premier and cards along that line. A secured card with a reputable company like discover or BoA if you don’t have a Credit Union relationship is probably your best bet. Why? Because you can always convert those cards to an unsecured card once you show great payment history. Have you had capital one? They are also good as well. Think long term. Is this card something I want to have in my wallet 7 years from now? Because if it’s not then don’t waste your time. Depending on where you are with your credit card journey cancelling a card 7 years from now that you get today may impact your credit score negatively. But if you get cards that are keepers then you can always product change an upgrade when your credit improves. 🙂
That petal 1 and 2 card both denied me and I have a 650 credit score 😢
same
check your utilaztion. or your debt ratio
If I have, for example, a Discover Card (for 6-7 months), and I’d like to try upgrading for a better Discover Card, is there always a cancellation process, or can they simply upgrade the card? Sorry if this is a “stupid question”. (I heard there’d no such thing). 🤣😂🤣 💳 ☝🏻🙏🏻👍
There isn't always a cancellation process. Discover certainly has paths to do a product change if the account is in good standing
They upgrade it, i had the secured for 6 months with 200 deposit but once i hit 6 they upgraded me to $1800 limit and and you can convert it to the cashback card with rotating categories. Make sure to be paying off in full every time and low utilization on statement day
Petal two sounds on the surface like it should be a 2% cash back credit card. Is Petal going to come up with a "Petal 0.9" card name next?
Yeah I don't understand that naming at all, even New Petal and Classic Petal would have been better 🙂
My fico score is higher than my other scores
My wife got American Express Platinum with 640 Score I was Shocked
How did she do it?
Sofi credit card?
I was approved by Merrick bank for $600 on the “double your line visa” my score was only 550. So you definitely don’t need a 600 plus score. It all depends.
I also remember getting this card when I was rebuilding my credit about 8 years ago. When you have little to no credit and your credit score is bad, you will be happy with getting just about ANY credit card. I still have the credit card, BUT with that being said, my credit has now improved more now that I’m understanding more about credit and I frankly don’t find this card beneficial as it offers me nothing compared to the cards that I now have that give me cash back etc. Merrick Bank has been great for rebuilding but I’m going to close it soon as they charge me an 8 dollar monthly fee just for having the card. So if I never use it I’m just throwing away 8 dollars a month. It’s one of my oldest cards so I debated about closing it, BUT the history of the card won’t fall off for 7 years after I’ve closed it so I probably won’t see the effects of my decision for seven years and I’ve saved myself roughly $700. 🙂 what’s your experience with them?
@@dofzion1998 can let you know in about one more month. “How I’m enjoying them” will depend on whether or not my double credit line comes.
@@ShortKingFittness I’m sure you’ll get it. Like I said they’ve been great. They usually give credit increases about every 6 months. A few hundred dollars at a time after that initial double your credit limit, especially if you pay on time. I would keep them if they offered some type of cash back rewards but they don’t so I’ve pretty much outgrown the card.
I have the merrick unsecured visa my annual fee is only.thirty nine dollars.i love iy
I used to have Merrick Bank they doubled my limit then every 6 to 9 months they increased my limit by $300 every time. It got closed down on my in 2020 because of COVID reasons part of it was my fault.
What about actual gas cards? do they usually require a higher score?
If you mean something like Exxon or Shell or something, I'd put them in the same category as store cards.
If I use 20% of $500 on a secured credit card every other week and pay it back within a week, could I get dinged for that, or would that help my score?
I am not a financial planner, but using and paying your card in full, before the due date (not sure with your question, if paying that back within a week means before the due date). But if that's the case, generally that shows you are being responsible with your credit. Over a period of time if you manage that properly, you may be able to move to an unsecured card.
Keep your utilization around 9% ($45) or less. If you get above that, pay it down. When your statement comes out, make sure the statement balance is/was paid in full. Rinse/Repeat. If/when possible, get the card unsecured without the trade/credit line being closed.
i currently have a 691 credit score but i got declined for the american express cash magnet card
You’ll be surprised that you could get approved for the Amex Platinum. They currently have the pre approved with a soft pull on the website. Try it out. Good luck!
They seem to approve scores like that for the Blue Cash Everyday.
Love your videos, but the AMEX charge cards are easier to get than their core revolvers (BCE, ED, CM).
What’s the data points on this?
What makes you think that?
My replies seem to be getting deleted and I'm not sure why...
This one got through, not sure. Unfortunately TH-cam seems to automatically block a lot of comments and i am not sure what the criteria are to be blocked.
@@quikjfpv1665 Your last looong comment got through to us via email (from an alert that YT sends when new comments are posted) but now it is gone on the site. I don't know what to say, have not figured out why TH-cam zaps certain comments; they usually don't even end up in the spam folder that YT has. You would think the system would approve a comment when I replied to the person's previous comment. Don't know. I did see your info about Amex with the co-brand cards often reported as easiest, then charge cards, then revolvers.
My Credit Score is between 640-700 and I tried applying and I'm constantly rejected and was told that I don't have much utilization or experience with Credit Card and its been so long since I've used one.
With that being said, Is there any credit card that I can apply and get a second chance?
This is ridiculous
Have you tried capital one? They gave me one when i didn't have any credit history.
@@wild1athletics I've tried and still got rejected
@@WhitemenaresoSexy Might have to get a secured card to get some credit card history going. Discover It secured is probably the best one since they don't have an annual fee and you get cash back.
Total; Open Sky
@@cylvaniaallen4498 With those, You have to build credit
I got the savor one when my fico was 635 lmao
I got the savor one with a lower credit score than that. Like 580. It's a low limit, but I still have it.
What about cards above the 700 range?
Plenty of videos about that, just did a best of 2022 a couple weeks back.
I feel like my income may be the issue
My vantage scores are lower
I have the highest sore the you ca get on a cedit repot
Ok I did not know there is a difference between Fico score and vantage 3.0 💀 my shit is Lower than I thought😢
What is lower fico or vantage? My vantage score is lower than fico. Just asking because i thought most people have it the other way around.
Your vantage is usually 30-50 pts higher
I got denied with a 711… but got invited to the program (apple card)
What cards did you get denied for? Ironically, the only company I was denied for with credit cards was my personal bank when I was first trying to rebuild by credit with a 547 Fico Score.
I got denied with a 716 in May. When the new MacBook came out in July/August, I applied again and was approved. Apparently, they just wanted me to buy something expensive.
I got denied and invited to the program with (what apple sent me) a 756 credit score.
@@DasherStu forget personal banks. I have 5 credit cards all approved except my bank. You would think having a checking account with them gives better chances, wrong. I think all banks with checking just in general will approve with good credit only. They look at your finances more than online cards such as your income etc.
Got denied for Apple Mastercard in December 2022. Path to credit program. Said to continue what I’m doing and in December 2023 they would give me a decision. June reapplied and was approved for $1k.
So what do I do if I have a 698 fico but keep getting denied
Credit score is not only thing the application system
look at. Do you have too many credit cards? Unable to confirm identity, late payments with others recently, no credit at all are some things they look at depending on the creditor but there are a few that look at how many new accounts open recently such as Chase has the 5/24 rule. I do noticed capital one looks at how much debt you have to determine credit limit. My wife and l have same credit score she doesn't have but a small credit card debt l have alot. We both got quicksilver hers is $3500 mine is only $1000.
@@phillipdeck933 I just got denied for the quicksilver with a 720 scared to apply for more don’t want to lower my score anymore.
@@jahblessin3996did cap one preapprove you for the Quicksilver?
I went through a bad break up, lost everything Credit to 620 but my incomes almost 200 K does that make a difference
A major difference would’ve been if you got married. 😂😂😂. Just kidding with you.
💯💯👍🏽
Proud Money I love your videos I've worked real hard on my credit I have Credit Karma and my score was over 650 I just got my Experian Fico score and it's at 680 I was told that Credit Karma is not always correct is it possible to have a higher Fico score than what Credit Karma says you have? Thank you and keep up the good work 👍
Credit karma tells you your vantage score (a less used credit scoring model). For me, my FICO score is a good bit higher than the vantage score that credit karma shows me
Absolutely. Stick to Experian. My CK score is 764. My Experian is 703. Have applied for cards and whether I was approved or denied the application always used my Experian score. Credit karma is more to help have an idea if your score is improving or worsening and is faster to show new inquiries or changes to your credit. Also helps and gives you tips on what to do to improve. But not accurate. 95% of lenders will use your Experian score. Also most people have higher credit karma scores than Experian. Normally a 20-75 point differential
@@eliassantiago2136 Thank you for the helpful advice 👍
@@eliassantiago2136 Does CK even show your Experian Vantage score?? I think they show TransUnion and Equifax. I don’t really know my Experian Vantage Score but both my Fico 8 Transunion and Equifax scores are higher than CK displays. But yes you are correct, stick with Experian. I think they are worth the 20 bucks a month I pay to see my real scores. 🙂
I can’t figure out Capital One. You give me a Capital One Platinum Card with a FICO score of 770 with CU of
Do they do product changes or upgrades?
Their pre approval tells you about everything you're eligible for, not just your best choice
No product changes or upgrades..I have other cards from Chase, Discover and Citi..
@@BronxBombers_726 You can product change the Capital One Platinum Card to the Capital One QuickSilver card. I got my Platinum in January and product changed it in July to the QuickSilver. Just call up their customer service and ask if they can change it. It's very quick and they will change everything in your account for you.
@@DasherStu Yes I have the QuickSilver..with a 500 CL? And now they say I am eligible for the Savor One? What am I going to do with a $500 limit after 4
years? My FICO is 778 with a CU of
Apple card would be great, but I dont use iPhone lol
That is a potential downside 😃
You can still apply.
The Apple card is a MasterCard you can use it anywhere
Im considering my first card at 38 years old
Better late than never
Got my first (responsibly used) a year ago at 41, now 4 more. Never too late!
Apple turned me down because I had too many inquiries.
How many inquiries do you have? I have 5 is that too many?
Petal credit card sucks. $2000 limit, used 20% , making minimum payments monthly, $29.00 interest a month. Out of all of my 14 credit cards, I definitely want to get rid of this card.😤
Don't buy stuff with a CC you don't have the money for, so you can pay the statement balance every month and not pay interest.
Making minimum payments is a trap.
14 credit cards, wow. Anyway why you don't like petal?
🛸🛸😎😎nice !
Got approved with Merrick
Not a good card there credit limits not a lot
Is that a credit card?
1
🦄🦄🦄
Not good
Good info but please take a breath man. lol
I applied for a Secured Discover IT Card with a 547 Fico Score September 2021 and was approved. That has since graduated with a $2,000 credit line. Applied for a Capital One Platinum Card with a 582 Fico Score January 2022 and was approved with a $3,000 credit line. I have since product changed it to the Quicksilver (last month). Lastly, I just applied for the Ollo Optimum Credit Card last week (August 18th) with a 640 Fico Score and was approved for a $2,000 credit line. The only negative I have on my credit is a Charge Off credit card from 6 years ago. I haven't paid any interest on these cards and I keep my utilization below 5%. I usually only let them report a combined 3% to the credit bureaus.
I applied for a secured Discover Card earlier this year with a 700+ FICO score... and got denied. There must've been some fraud or something else going on to get denied for a secured Discover Card.
@@HectorDeJesus Yeah that's really weird. My score is now just above a 650 Fico and I just got approved for a Line of Credit of $2,000 from my bank. I do have a charge off on my record from 6.5 years ago too.
You have ollo optimum? Is that with 2.5 percent Cashback? I envy you, lol l only have the standard card with no rewards.
@@phillipdeck933 It is the 2.5% cash back one for every purchase. Unfortunately, I'm pretty sure Ally took over and now all's I see are Ally credit cards with no 2.5% cash back card. They've been pretty great though. I just got a $900 credit line increase to $2,900. They're more generous than Discover is for me at least.
Not good