Ok I need help. Ive got a decent job but bad credit and I would like to get a credit card to help me out right now. Im able to pay it back but I am so sick of seeing the ones that say "send money now" and then they promise to send a card and dont. Does anyone out there know by personal experience an "easy" one to get no matter how low they start you out at? Keep in mind my horrible credit.
2006-10-01 02:41:22 · 9 answers · asked by plaster_employment 2 in Business & Finance ➔ Credit
I had rough time getting my first credit card also. Citi sent me info in the mail for signing up with them so i tried and it worked. I had a limit of $700. this was after getting turned down by my own bank even.
they have also helped my credit tremendously since they report to all three credit agencies
good luck but don't abuse it once you get one. you will regret it if you do!!!!!!
2006-10-01 02:46:37 · answer #1 · answered by shadow765 2 · 1⤊ 0⤋
I also have poor credit, and now have 4 credit cards (unsecured) meaning i didn't send them a "deposit" HOWEVER you will have to be charged annual fees and account opening fees... but if u do this with just one or two cards and use them wisely, in a year or so you can transfer those balances to a better card when your credit improves.
The best I have are from:
www.mytributecard.com
www.orchardbank.com
Good luck!
Angie
2006-10-01 08:33:55 · answer #2 · answered by Ang 2 · 0⤊ 0⤋
Orchard Bank.
They help rebuild your credit. Your initial limit will be low, but they raise it periodicly. Also, there is a fee which is charged to your card, I think it's an annual fee.
They report to the agencies regularly. The interest rate is on the high side.
2006-10-01 08:13:05 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Try a revolving account. They're the easiest to get: walmart card, jcpenny card, macys card, etc. The key is to note on the application that work & residence are at least 3 years established (they usually don't check this) & that income exceeds your bills by 2-3 times (they usually don't check this either). They want to make sure you can pay your current bills plus theirs.
2006-10-01 03:43:30 · answer #4 · answered by Studio7 2 · 0⤊ 0⤋
There are no absolutes in getting a credit card but this was the first one I got. When you are nearing 30 and you have no credit, it's harder then when you have bad credit. Try this:
http://www.orchardbank.com/ccssa/OBCustomerCare?cmd_Redirect=HomePage
2006-10-01 02:44:36 · answer #5 · answered by FaerieWhings 7 · 0⤊ 0⤋
Try the website below, They're really good in helping to rebuild credit.
2006-10-01 02:45:05 · answer #6 · answered by Leeanne 4 · 0⤊ 0⤋
My credit rating sucks but I have two capital One cards. They APR is horrendous but it was the only answer for me.
I hope you don't just dig a deeper hole for yourself like I did.
Life in debt sucks.
Good luck :-)
2006-10-01 02:50:41 · answer #7 · answered by MISS B.ITCH 5 · 1⤊ 0⤋
if you have a bank account, ask your bank for a credit card threw them,it worked for me.
2006-10-01 02:44:42 · answer #8 · answered by ? 2 · 0⤊ 0⤋
www.daveramsey.com
2006-10-01 03:00:33 · answer #9 · answered by John 1 · 0⤊ 1⤋