Money Tips: Searching for Credit Card Offer with no Credit Check

Posted On: April 9, 2006

Guest: gomirage
Post subject: Searching for Credit Card Offer with no Credit Check
Posted: Sun Apr 09, 2006 2:43 pm

I have an average score of 680. I want to improve my card and I am planning on openning several secured credit card (with balances 200). Once i get the cards I will automatically stuff them and never use them. All i need is having a 100% availability showing in my reports. Is this a good idea ?
Also, I don’t want them to do any credit check to avoid damaging my score.
What are the cards you thinkg would be the one to go for. I don’t want an annual fee either.

Guest: fitz75
Posted: Sun Apr 09, 2006 2:53 pm

Why are you choosing to go the secured route with a 680 credit score? I was able to get Amex delta sky miles/Amex blue cash, Cap One, Hooters MC, Emigrant Direct MC, WAMU visa with a 640ish credit score. The only lenders I had issues with was Chase, Citi, and Discover.

Guest: gomirage
Posted: Sun Apr 09, 2006 2:55 pm

I don’t want a credit check. Last week I was approved for a Citi Pro for $4,000 CL. Yesterday I watched my score drop by 20 points.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Apr 09, 2006 3:23 pm

gomirage wrote:
I don’t want a credit check. Last week I was approved for a Citi Pro for $4,000 CL. Yesterday I watched my score drop by 20 points.

Must be some other reason for a 20 point drop

Most people get 3–7 point drop

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Sun Apr 09, 2006 3:49 pm

I’m not sure why…but….something with this whole story and plan does not add up.
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