My credit score was in the very low 600's when I applied, but Credit Karma stated that it was a fair chance of me getting approved. I know it didn't say good, but I applied anyway. The application was at a standstill because they requested more information from me. So don't be scared away if they do that to you. I still was approved after they received all the neccessary documents. Now my cs is 688/702/659 TransU/Equ/Exp respectively. I pay my bill in full every month so I don't worry about the interest rate so much. I would tell you to do the same, but if you can't, pay more than the minimum balance. Take care of your card and it will show in your cs every month with an increase like mine. CO gave me another chance because I also have the secured card with them with a small cl of $600. The Quicksilver One cl is $1,000 with an increase in 5-6 months. The customer service is professional, courteious, and knowledgeable about the questions I have. I've never had a problem when I called them and I have called several times about my account. Like I said, take care of your account and it will show in your cs. Thanks for taking the time to read and I hope it helps!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 24.99%* Variable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 24.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this due to good odds, was approved for a low limit of $500, card was sent fast and all is good. I read some reviews on Amex and while my approval odds were poor on all, I was able to get Amex Everyday Preferred with a 1k starting limit, Chase Freedom Unlimited for 1.5k and Amex Hilton for 1k, all of which have better rewards. 670 CK score but FICO shows lower, just over 600.
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