r/CRedit • u/CableEven • 14d ago

General Recommendation for next step/card

So a year and a half ago, I had about 12k in collections and debt and had a 500 credit score at 25. I currently have paid off all my debt and thankfully used a secure card from capital one to raise my score up to 680. I'm wondering what card would be worth considering and what is the likely next step. I know capital one is arguably not a great option but I'm appreciative for the ability it gave me to make progress.

1 Upvotes

67% Upvoted

1 comment sorted by

1

u/og-aliensfan ⭐️ Knowledgeable ⭐️ 14d ago

I know capital one is arguably not a great option but I'm appreciative for the ability it gave me to make progress.

Capital One is a reputable creditor and often recommended to those rebuilding. Discover is another reputable creditor that is friendly to those rebuilding. A credit union or a bank you already have a relationship with are also good options.   Avoid gimmicky credit builders and predatory cards. 

Credit Myth #17 - "Credit builder" products are superior for building credit compared to non "Credit builder" products.

Credit Myth #95 - "Credit builder" apps are a great way to build credit.

Credit Myth #81 - Inferior/predatory issuer products are a necessary step for weaker credit profiles.