I can't seem to get approved for a credit card because I have little/no established credit. Someone told me about First Primier Bank but it costs about $300 just to get the card! Any suggestions for institutions with online applications that specialize in people with little/no credit?
2006-07-21 11:29:07 · 6 answers · asked by kpetrovich1 2 in Business & Finance ➔ Credit
First Premier is a very sub prime lender. You pay all of those non refundable fees to have a crap card.
Go to the Orchard Bank, HSBC and Bank of America websites.
They have a card selector that you can do for what may be recommended for you. The card selector will not pull a hard inquiry. But, if you apply for the card that is recommended, then they will pull a hard. Keep in mind that even if a card is recommended, you still may not be approved.
If they recommend a secured card, that is still better than First Premier. The money that you use for the secured card "is" refundable when they unsecure the card or you close the account.
Try store cards also. Like Walmart, Target etc.
You might go to Crown Jewelers and apply.They do not pull an inquiry. But there is a small catch, you have to purchase something for them to report. Though, purchasing the most inexpensive item will probably get you a $1500 limit reporting on your credit reports.
2006-07-21 12:52:15 · answer #1 · answered by echo 7 · 1⤊ 0⤋
The easiest credit cards to get are usually from department stores. They will give you a small line and help you establish credit. Try to get no more than 2 cards.
If you are over 18, have a job, and pay your credit card payments on time, then within a very short time, you should qualify for a mastercard or visa.
2006-07-21 12:27:24 · answer #2 · answered by Stephen B 3 · 0⤊ 0⤋
what are you trying to purchase? House than there are lenders out there that do not care if you have credit or not. Just make sure you can supply a year of utility bills, cell phone, any thing you make a monthly payment on. All payments must be on time and no lates. Also try Orchard Bank. Good luck
2006-07-21 11:52:21 · answer #3 · answered by Openthathouse.com 4 · 0⤊ 0⤋
in case you have already got 5 enjoying cards, then getting a 6th card won't help your credit. the only issues you're able to do are to proceed to pay off what you owe, and then wait. Time will treatment the undertaking, as a results of fact it particularly is the only element that makes "spotty credit historic past" now not comparable to "contemporary credit historic past"
2016-11-02 12:06:15 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If you have been working at your present employment for a year or more, you should be able to get a line of credit through your bank, if you open an account with them.
2006-07-21 11:33:49 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Dont get first premier. They charge you for everything. Fees fees fees! Capital one offers an introductory card I had once. All I know is dont get premier!
2006-07-21 16:03:00 · answer #6 · answered by Bobbie 3 · 0⤊ 0⤋