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Question By
creditscorebynick

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Help to a new card user whose file may be too thin?
I just recently opened two accounts in March 2015. Discover It Chrome for Students and Authorized User of an American Express Hilton Honors. I was denied in March for 3 cards (Target, Amex, and Chase). I want to increase my credit score and diversify my credit portfolio by opening a new card. I was thinking about opening a CapOne Student Journey Rewards Card. After looking into it I decided to try and get pre-qualified for an offer. Results came back with, "Nicholas, we could not provide any matches to your credit report. But based on your choices you may like this card." So, I do not want to have another hard inquiry if I am going to get denied for this card. It seems I have good chances as I have, reported by CK, a 619 TU and 615 EQ. However, is my file too thin?

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You can open an account with capital one 360 and after a lil while they will send you a pre-approved credit card letter; you will be approved for $200 after paying on time for 5 months it will go up to $500 in another 5 months of paying on time $2,500... Worked for me... Good Luck.!

Reply by
lulu1059

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Percentage you want to keep your balance at to help your score

0-9% Excellent

10-29% Good

30-49% Fair

50-74% Poor

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You may want to find a secured card that reports to all the credit bureaus.

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