Am I likely to get approved for a PC Mastercard?
Looking for some guidance based on your own experiences/what you know of approvals.
I’ve been rebuilding my credit since 2022. Credit is now 701 on equifax but transunion is reporting 646. It’s my understanding that PC usually pulls from Equifax.
The only debt I have is my OSAP of $15k, I pay that monthly no issues. Have not missed a payment since 2024. I’ve had 2 credit cards closed back in 2020 and the balances have been paid off in full for years. I had one collection on my record that was $300 that has been paid and I have the discharge papers.
I’m full time employed and make 55k per year plus extra income. I started this job a few weeks ago but was full time before then as well. When I did the application without submitting just to see the questions, it didn’t ask for length of time employed just if I was full time and what my salary was. When I talked to the bank about getting a card with them, they said to wait a few more months because my transunion score was low, it hadn’t been updated since June 10. I brought up equifax and she said “just wait a few more months to apply”.
Should I wait to apply till my transunion score goes up or would I be okay to proceed?