What credit cards can I apply for?

[sky121]

I am helping a relative apply for some cards. They don't have great credit though with a score of 625.
B"H I've never had to deal with a low credit score before so I am not sure which cards to go about recommending and which ones to NOT BOTHER applying for?


Any advice?

[MEIR613]

Try a secure card I know boa has. some people do well in the beg with crap1. Some do a Dept store c ex. Macys  tjmax gap
Good luck

[meshugener]

Low score or no credit history?

[MEIR613]

Can you post a link to thread that talks about if you never had a cc do youvhave a low score or you don't have a score how does it work?

[sky121]

Low score or no credit history?

They have low score. Good credit history since they were 18 and they are in their lower 30s.

They have a quite a few different credit cards. Unfortunately mostly store credit cards etc. I don't think they need to work with a secure card but I am just wondering what would be reasonable for them to apply for to earn some points etc.
I'm a little out of my league since I don't have much experience with lower credit scores and with people who don't always pay on time.

[meshugener]

Freedom

[sky121]

Freedom

United? Chance at a  Sapphirre pref?

[meshugener]

IMO Freedom has the best chance, then United, then SP.
Could get all, could get nothing, YMMV....

[AJK]

They have low score. Good credit history since they were 18 and they are in their lower 30s.

They have a quite a few different credit cards. Unfortunately mostly store credit cards etc. I don't think they need to work with a secure card but I am just wondering what would be reasonable for them to apply for to earn some points etc.
I'm a little out of my league since I don't have much experience with lower credit scores and with people who don't always pay on time.

You're going to get a person who doesn't pay his bills in full involved in credit card points game? Bad idea IMO.

[sky121]

You're going to get a person who doesn't pay his bills in full involved in credit card points game? Bad idea IMO.

+100   I told them to scratch their whole idea and to apply for a Slate card to at least avoid paying interest and try paying off some of their balances.

They wouldn't hear of it.

[meshugener]

If there is no late payments, its doable (not easy, of course).

[AJK]

+100   I told them to scratch their whole idea and to apply for a Slate card to at least avoid paying interest and try paying off some of their balances.

They wouldn't hear of it.

In this context, your help/advice might be construed as lo titein michshol

[sky121]

In this context, your help/advice might be construed as lo titein michshol

I hear you. I told them numerous times that I am not recommending to apply for the cards but they wanted to know which ones are good.
But you're right. I'm going to tell them again. Maybe I'll send a link for the Slate. I still think that is a way better idea.

[AJK]

Perhaps phrase it in such a way that they see that a zero balance card would actually earn/save them more money than signing up for, say, the CSP.

It's probably not too far from the truth, and depending on their balances and current APR, it may very well be accurate.

[sky121]

Perhaps phrase it in such a way that they see that a zero balance card would actually earn/save them more money than signing up for, say, the CSP.

It's probably not too far from the truth, and depending on their balances and current APR, it may very well be accurate.

Right- I did mention that. My problem is that I don't know how much of a balance they are carrying.
But the more I think about it I really don't want anyone to be digging themselves into a whole because of anything I said at all.
They did say they wouldn't keep a balance on any of these cards. The other problem is that I don't know them personally to know if they are responsible and will actually follow that advice or are going to get in big problems. It doesn't seem like it from a few conversations but still.. you never know.