What's the recommended score to get a CC?
959980
Your credit score is not the only determining factor banks use in deciding whether or not to issue you a card.  A score of 700 is sufficient to obtain a credit card.\n\nThey also consider the length of your employment, your income, how long you have lived at your current address and your current relationship to the bank.\n\nIf you are declined for a credit card they will notify you by mail with a reason.  Address the issue(s) in the letter.\n\nYour credit score is not the most important factor in determining what credit limit the bank will give you.  Your income is a more important factor.
859271
I have always had good credit, but together me and my husband spent 18 months cleaning up his credit from a 540 score to well over 700 (which is great btw). This was about 4-5 years ago. I only say that to let you know I know what I am talking about. For starters the actual mathematical formula used to determine your credit score is a secret. Which sucks. However, there are guidelines that are very helpful such as :\n•Payment history (35%) – the most important category. Have you made all payments on time and for how long. How many unpaid debts you have that have resulted in alternative action (e.g. bankruptcy, tax liens, collection lawsuits, etc). \n•Amounts owed (30%) – how many lines of credit you have and how much you owe compared with how much you can borrow. \n•Length of credit history (15%) – how long you have had your accounts. \n•New credit (10%) – how many new lines of credit you have. \n•Types of credits used (10%) – do you have a balance of revolving (credit cards) and installment (loans) credit lines. \n\nIf I were do this is what I would do. Get rid of the store cards (close them). Closing them doesn't hurt your credit....what hurts you credit it the fact that you are lowering your overall amount of credit extended to you, and if your balances equal more than 30% of total credit available, you get a ding. But as soon as your balances fall below 30% you get a jump in your score. So KEEP your card for 6500, and keep your balance under 30%, or get it there asap. Then never use more than 30% of your total limit on the card. Personally, I would keep the card, pay it off, and never use it again ata all but keep it open. You want to keep it open because the lenghth of time of open revolving accounts(credit cards) is a plus to your credit score. I have this one credit card that I have had since college. they keep raising the limit hoping I'll go nuts. The limit is now 11 grand. My balanace is ZERO. There fore, i have 11k of credit extended to me, but a zero balance (like i said under 30% is good), and I've had this credit card for about 8 years, so that looks "responsible" on the fico score, and is a plus to your score.\n\nIt's tricky to get used to how it all works, but I spent the time doing it and we went from BARELY being able to buy a house 4 years ago and filling out mountains of paperwork, to have great credit and filling out a one page document, and handing over a down payment to buy our second house.\n\nAnyway, store credit cards are trash! They ALWAYS have high interest rates, and they are only good for the stores they are listed for. You aren't going to be having any clothing emergencies, and if your closet burned down (literally), and you did have a clothing emergency then you could reasonably use your visa.\n\nHaving said all this, can I make a suggestion?\n\nTotal Money Makeover by Dave Ramsey. Go to the bookstore and buy it. You will thank yourself.\n\n\n***********OH YEAH! Don't ask to have you credit limit lowered on the visa (like some others have said on here)! That in itself won't lower your credit rating, but you will have less credit to use to stay under the 30%, and anytime you go over 30% that DOES give you a ding! Remember, credit limit hikes are good for you IF you stay under 30% and don't lose your mind and go nuts a Macy's!
234508
You have a fairly decent score -- kinda low...but you will be approved. You will need about 10% down to make them like you lol and you will have a high interest rate. Try your bank and see if they can pre-approval you. With pre-approval sometimes can get a better price on a car too.
551960
The credit score is the common name for FICO SCORE.  It is a highly guarded secret, (at least the exact formula is).  Most people claim that it is approximately 35% payment history, 30% amounts owed, 15% length of credit history, 10% new credit, 10% types of credit.  The link below is the FICO homepage.
859268
There is no set "number".\n\nit all depends on the relation to the rest of your credit.\n\nIs it the only account you have? Installment or revolving account? Home loan, car loan? These all weigh more on your score than a Jc Penney card.\n\nIf you have 10 accounts open, and they are all being paid on time- 1 negative account wopnt be as bad as only having 2 accounts open.\n\nHope that makes sense !\nGood Luck.
207623
your credit score can run as low as 300 and as high as 850\nI should know im a loan officer and I run credit all the time.
460810
most companies checking credit to give you either a credit card or cell phone etc would like to see a minimum of about 620, if you have atleats 670 you can get better interest rates on loans and better credit deals.
436012
It will take all you know .....You can also contact Chris Scullin who also scored a 2400 and get some advise from him... He lives in Los Angeles,CA....Hope that helped some
987193
My average score is 809. (814 is the highest of the three scores)\n\n699 is respectable.  Just keep up to date with all payments and your score will go up over time.\n\nI think riblix (below) got rejected on a loan to buy a pack of gum.
86583
many community colleges will accept an ACT score of 17, but i'm attending a private liberal arts school in nebraska and their lowest is 18. possibly just try taking the ACT one more time will up our score the extra point/points you need to make your college choices more numerous.
879250
The above information is good.  However, please remember not to CLOSE your creit card accounts.  Keeping them with a low balance (or zero balance) is fine.  Despite popular misconceptions, open trade lines (with clean history and low balances) do NOT hurt your credit.  Instead, they establish good credit history which is important for your score.  Below are some general tips for building credit:\n\nDO NOT:\n\n1. Do not open unnecessary credit card accounts or other loans.\n2. Do not close existing credit card accounts.\n3. Do not let individual credit card balances exceed 30% of the credit limit.  Two credit cards each at 25% of the credit limit is much better than one credit card at 50% of the credit limit.\n4. Do not allow unnecessary credit inquiries – meaning, you should not have people pulling your credit unless there is a very good reason.\n\nDO:\n\n1. Do make timely payments on all mortgages, auto loans, and credit cards.\n2. Do request higher credit limits on your existing credit cards.\n3. Do make sure that each of your credit card accounts report the credit limit to the credit bureaus.
276145
Apply to different credit cards but don't overdo it.  3-5 should be ok.  Make sure you do not send a late payment, that hurts your credit.  Try to pay more than just the minimum payment.  Don't max the credit cards either.  That won't help your credit.
1054356
Your credit score is good..any thing above 700 is good and gets you rated as a AAA. just keep paying everything on time \n\nNormobrian is a moron  he is totally wrong
451025
Probably around 50 or so, if you include all that stuff on the back such as the phone number to call for customer service and such.  For just the CC#, it's usually 15-16 digits.
626302
you can buy your score at www.myfico.com\n\nIt's 12.95 last time I checked.\n\nI also got a free score when I went to a workshop at a mortgage company, they do a combined  pull from all three and the score was on it.
253793
What is your credit score?
792880
A 683 score is pretty good. If all of her cards are always paid on time and not maxed out, then it would be a good thing for you to go on as an Co-Applicant, not authorized user. Her good credit will help improve your credit. It is a good way to raise your credit score. As far as paying them off, that is fine, but I wouldn't close them out. Also, you should keep some accounts open so you can keep a ongoing payment history showing. Paying off cards and closing the accounts isn't as good for your credit as you might think. Creditors like to see recent credit history. Just keep  a couple of credit cards at around half of the high credit limit and pay them on time every month and that will keep your credit looking good.