I have bad credit obviously... I just turned 20 and I can't seem to get a credit card anywhere!!! I live in Ohio, United States and I am trying to get a credit card with like a $200 limit... is that much to ask to start a credit history?>?? If someone knows where I should apply, let me know please!!! Thanks everyone,
jerry
2006-08-22 20:58:02 · 8 answers · asked by ? 3 in Business & Finance ➔ Credit
I tried Orchard Bank and they want some fee that I don't have the money for. I have a bank account. I've dealt with my bank for over a year. It went into overdraft but there was a problem with billing for a company I had a service from, but it was taken care of. I don't know what the hell to do!!!
2006-08-22 21:06:23 · update #1
HELP!!! Come on!!!
2006-08-22 21:22:25 · update #2
check these below, take your time soaking it all in for a bit and then you'll be successful. It's all to do with playing it right.
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you!
2006-08-23 09:00:59 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Have you tried getting a department store credit card, like at Wal-Mart or Sears? Maybe once you have those you will be more likely to get a regular visa card. But yeah, I agree with that other guy. Open a bank account at a bank. You can get a VISA DEBIT card thru your particular bank. I have one of those. If you use it properly & pay on time, then you should build your credit back up.
2006-08-23 04:05:39 · answer #2 · answered by It's me. 2 · 0⤊ 0⤋
Unfortunatley with credit cards, you sometimes have to have had credit to get credit. While having bad is not good at all, having none is a bit better than it being bad. In both cases though you have to build credit to gain companies trust. A good starter for those who have bad or none is a secured card...But to get that you have to prepay on it. Use that for a while, pay off your cards on time will help you build your credit. What is also helpful is that you have a steady jobs or means to pay the bills, which is another thing credit companies will look at. Good luck and happy credit building.
...Online (google or yahoo search "Secured Credit Cards"
2006-08-23 04:22:56 · answer #3 · answered by C G 2 · 0⤊ 0⤋
Try Orchard Bank....they deal with people with bad credit. You can usually find ads from them all over the internet or they have a website.
2006-08-23 04:03:47 · answer #4 · answered by First Lady 7 · 0⤊ 0⤋
The best way to build credit quickly is to buy a $1500 cash deposit certificate. Use it as collateral to get a signature loan for $1000. Make the payments, once paid off, cash in the certificate, and you will have credit.
2006-08-23 04:02:31 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Orchard bank fees are usually put on your 1st statement, if you are still looking try the Tribute Mastercard available here :
http://www.winterinjuly.net
2006-08-23 10:18:48 · answer #6 · answered by CreditCardMan 2 · 0⤊ 0⤋
Start by getting a checking account, get some money in it, then talk to a banker.
2006-08-23 04:00:58 · answer #7 · answered by Anonymous · 0⤊ 0⤋
macys, theyd give you one for sure.
2006-08-23 03:59:31 · answer #8 · answered by firestarter 5 · 0⤊ 0⤋