2006-10-12 07:16:04 · 14 answers · asked by Daisy 1 in Business & Finance ➔ Credit
Yep. Premier Credit. I think they have applications at AMSCOT or someplace like that. Check it out. Think you may have to pre-pay / depends on your credit score.
2006-10-12 07:18:32 · answer #1 · answered by Win 4 · 0⤊ 0⤋
I have the Centennial Visa through First Premier Bank which allows you a credit line of $300, but you can't get a no annual fee credit card with your credit history. This card is worth it to rebuild your credit history, and go to www.AnnualCreditReport.com and request your free credit report from all three bureaus annually. Go to www.Centennialcard.com and you have a choice between a VISA or a MASTERCARD. You may have to start off with a card that carries an annual fee until you get your financial situation straight to the point you can get a card with a no annual fee. You will eventually get offers for other cards, but use this card to build your credit and get another card and hold on it don't use it and keep the credit line at $1000 or less. I have the centennial visa card and they started me off with locked 9% interest rate and I am $200 away from paying off the card entirely and I am closing my account effective when the final payment is made and sticking to the 3 cards I got. Do not make cash advances because your interest rate can be as high as 15-21% and if you're late they will hit you with fees so pay on time. Don't go over your credit limit so that ensures you pay on time. Centennial card will charge $11(convienience fee) to pay online or by phone so pay by mail there's no charge. This is the only way to get your credit back up with a credit card since most companies are not going to give you a card except mail you a rejection letter and suggesting you check your credit history.
2006-10-12 08:09:52 · answer #2 · answered by nabdullah2001 5 · 0⤊ 0⤋
No matter what your score is, there will be credit cards out there you can get, they just give you a high interest rate. If you have a bad credit score that means you don't pay your bills and you really shouldn't hurt it more by adding another log to the fire so to speak! Get your credit rating back up then speak to a financial advisor about your finances.
2006-10-12 07:19:51 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I don't think so... If you have really bad credit your won't be able to get unsecured credit. The credit system works they way, so when you really need it you can't get one.... you can try to find a cosinger who would secure your credit, or if you want to start building some credit apply for a secrued deposit credit card, basically you need to secure your deposit with the amound of credit. After a year, if you mainain your account in a proper way your can get your deposit back, and get a nonsecured credit.
Good Luck
2006-10-12 07:19:57 · answer #4 · answered by Vladimir Y 2 · 0⤊ 0⤋
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2006-10-12 07:32:35 · answer #5 · answered by iamdamoon 1 · 0⤊ 0⤋
Usually secured credit cards would be your best bet some offer deposits as low as 200 or 300
2006-10-12 07:18:42 · answer #6 · answered by treez1976 2 · 0⤊ 0⤋
I even have in basic terms those days experienced an analogous project. I even have been refused a motor vehicle very own loan so I checked my document and it states the reason being by way of the fact i've got not had my modern-day account long sufficient (10 months) and that i've got not any credit history (have in no way been in debt) I even have an entire time job and characteristic had for 3 years, I even have been with my financial business enterprise for 5 years and pay insurances and characteristic an overdraft which i do no longer use. i think of it rather is ridiculous you could prepare you have been in debt to get debt. I cant even get my telephone settlement in my very own account! So, i understand your frustration. attempt and repay as various your charges as you could, and close any unused money owed. additionally attempt and strengthen your dating such as your financial business enterprise
2016-12-26 17:33:28 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Yes, they're called secured cards and basically you deposit some money with them and your credit limit is the same as however much you have on deposit... Good way to repair your credit rating if it is that bad...
2006-10-12 07:23:47 · answer #8 · answered by Andy FF1,2,CrTr,4,5,6,7,8,9,10 5 · 0⤊ 0⤋
Oh yes. Google search "credit cards for bad credit" or something like that.
The downfall is the high fees you have to pay to maintain them.
2006-10-12 07:23:39 · answer #9 · answered by Anonymous · 0⤊ 0⤋
There are alot of prepaid cards where you have to pay a huge fee, but will leave you a small credit line.
2006-10-12 07:48:27 · answer #10 · answered by shoame 1 · 0⤊ 0⤋