Hey all!

I have been on a mission to fix my credit after it was decimated in a deeply unfortunate 4-month stint of fiscal mismanagement when I was a student (2018). Totally my fault, and I’m living with it every day.

Through consistent payments and lowering my debt, I’ve brought my score up 250 points since then, and am sitting at a cool 700.

The last time I applied for a credit card (tangerine world), my score was about the same, and I was denied. My income exactly hit the required income to apply. This was January 2022

Since then, I’ve gotten comfortable in a new job with a much higher salary.

Is it worth it to reapply? Does income factor that much into credit card applications?

The last thing I need in the world is another failed credit application (it will drop my score again, making it harder and longer before I can access credit… again)

I still also have a decent chunk of delinquency marks on my credit report from that horrible period. They aren’t going anywhere until 2025 (but nothing defaulted or sent to collections).

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More details if you’re really invested:

I already have a capital 1 guaranteed card. It helped me build my credit back. It is a really helpful tool.

I want a ‘world’ credit card because: A) Its a waste that I don’t get points or rewards with this training-wheels card B) I really want a card with car rental insurance. C) More access to credit means I can fix my score even faster.

Building my credit faster is the big reason I want a card. I just want to dig out of this big hole.

Do you think I would get approved? Is it worth trying? Do I just wait until my score hits some magical ~successful person~ number? If yes, what number?

I’ve worked really hard to get where I am, I have a solid, good income, I’ve paid back over 30k of debt in 3 years, and I have a decent credit score. What will it take to access credit like a normal person?

WHAT DO I DO?

Thanks in advance!