where can i get a credit card to re-establish bad credit without payiny some outrageous one time fee......?

Question

i have never had a loan, credit card, nor have i ever filed bankruptcy.

Answer 1

Orchard Bank. Or apply for a student card if you're still in college. My boyfriend had the same problem. He couldn't buy a car or try and get a new apartment without credit (he didn't have any loans, debts or bankruptcy either, but wasn't a college student). He applied for a credit card through Orchard Bank (one-time $35 fee. Not that outrageous) and he got it within a couple weeks. He hasn't had any problems at all and is slowly building up fantastic credit.

It's a secured credit card, which means you need to be able to put out whatever the initial credit line is going to be (anywhere between $200 and $500). I reccomend at least $250 because they take that original $35 fee off the credit line. After you show them that you can pay off your bill every month on time, they will start to give you additional credit.

I did a LOT of research on secured credit cards before I helped my boyfriend get his, and this seems like the best one by far. Interest rates aren't so bad, and has a lot of other perks to help you build your credit. Check it out! And after a year or so of building up your perfect credit (which you'll only get if you ALWAYS pay your bill IN FULL and on time), you can start applying for regular credit cards with no fees and lower APRs.

Hope that helps!!!! Good luck!!!!

Answer 2

if not an huge one time fee you get a monthly maintance fee of 72 a year. Go to your local bank and get a secured card the interst rate will be somewhat high but no stupid fees

Answer 3

bypass on your monetary company and talk with them. do no longer purchase or signal something yet they grant you with some strong advice (besides as attempting to promote you something). even as it is composed of charge playing cards there are different thoughts. contained in the united kingdom human beings are starting up to apply payday loans both because they don't qualify for a mastercard like your self (or they have spotty credit) or because they do no longer favor the temptation that consists of a mastercard. An different determination for you is a pre-paid mastercard. absolutely everyone can get one, and that i trust employing you ought to grant you with a credit status, meaning you'll quickly qualify for finding out to purchase a mastercard. that's unhappy that being off the grid scares the hell out banks and mastercard agencies. they are going to get used to it quickly adequate as further and extra human beings cover from them!

Answer 4

Plenty of good advice here.

Answer 5

You can try Orchardbank.com