If so, please tell me where.
2006-09-11 11:55:28 · 12 answers · asked by grundsty_83 1 in Business & Finance ➔ Credit
you will probably need to start with a secured card. you can always try orchard but if they won't give you an unsecured card, don't bother with to many other places. try store cards like walmart or target.
2006-09-11 14:31:58 · answer #1 · answered by bella_4624_19 4 · 0⤊ 0⤋
Unfortunately, if it were me I would do my best to get out of any debt that I was currently in before looking into adding more. Credit cards are such a trap and even the smartest of people can get into trouble with them. I myself at one time was there as well. I even had to file bankruptcy at the age of 23!! All because of credit cards, nothing else! However, in this day and age almost all of us need some sort of credit history to get by, for a car or a new home, etc... If you decide to get one, I'd start out with a secured card, it's a good way to build your credit and your savings! And after sometime if you prove yourself worthy they will give your security back and make your card unsecured! But if you really must, Orchard Bank or First Premier Bank would be your most likely options, but be prepared for outrageous interest rates!!! Good luck!
2006-09-11 19:55:04 · answer #2 · answered by anticipating 2 · 0⤊ 0⤋
How long have you had this card? A card won't even begin to count in your FICO score till the 6 month point. If you are carrying balances of more than 30% of your limit that hurts your score. Pay off the balance and your score rebounds. That 70 point score drop was caused by more than one hard inquiry. Did you get the score from the same source for the same credit bureau? Not all scores are the same. All three credit bureaus now sell consumers non-FICO scores that are on different scales. Third party monitoring services use Fakko scores. There is no comparing these and they are all worthless.
2016-03-26 21:01:04 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you have a credit score of 520, the last thing you need is a credit card.
2006-09-15 06:52:07 · answer #4 · answered by Medic123456789 4 · 0⤊ 0⤋
Nope. I recently worked in banking and can tell you that you can't get a much lower score. Repair the damage that YOU'VE done to your credit history if you expect to get someone to trust you to repay your debt (and do what you promise to do).
(You might be able to get a v-e-r-y high interest rate credit card with a 520 score.)
2006-09-11 12:05:34 · answer #5 · answered by paleblueshoe 4 · 0⤊ 0⤋
Probably not. 520 is just about as low as you can go. I doubt if you could even get a department store charge card with a low score like that.
You must have really screwed up bigtime. Now it's time to pay the piper.
2006-09-11 12:00:08 · answer #6 · answered by Kokopelli 7 · 2⤊ 1⤋
Maybe, with a $200 limit! Should have maintained your credit!
2006-09-11 12:01:37 · answer #7 · answered by Flower Girl 6 · 0⤊ 0⤋
You could try this mastercard. It is not secured. It reports to all 3 credit agencies so you can rebuild your credit too.
http://creditoffernow.com/imaginecard
2006-09-12 07:46:57 · answer #8 · answered by Harvy S 2 · 0⤊ 0⤋
You are in credit problems are your thinking about getting more? that like some one saying " hey im in a hole, how about i dig my self deeper into it" Fix the problems you have now before you take on something else.
2006-09-11 12:01:06 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Probably not. However, get a secured card first (Like Orchard Bank), and start building your credit.
Or, try your bank ... if you have an established relationship with one, they may be willing to work with you.
2006-09-11 12:01:13 · answer #10 · answered by kentata 6 · 1⤊ 0⤋