2007-02-27 07:18:32 · 7 answers · asked by donald s 1 in Business & Finance ➔ Credit
If you have a checking and saving account, I would try where you do you banking first. They might be able to offer you a low-limit credit card, or even a secured card. Secured cards are the easiest to get reason being is that you have to make a deposit for the same amount that you're trying to get a line of credit for. If you pay on time and keep your balances low, your chances will improve for it to convert to an unsecured card. I've supplied some links that should help you fine some.
2007-02-27 07:27:01 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Let me be clear:
1. DO NOT GET A SECURED CARD.
2. DO NOT GET A CARD WITH A YEARLY FEE.
3. DO NOT GET A CAPITAL ONE CARD.
Okay, the third one is a personal dislike for that company, but experience has shown me that they are an unethical, borderline-criminal organization (granted, most credit agencies are).
FIRST PRIORITY: Determine why you "need" a credit card at all. Why do you travel? If it is for business, can you get a corporate card with strict limits on what you're authorized to use it on? It is simply for convenience? If it is the last one, get a MasterCard-logoed debit card; problem solved.
If you simply want a credit card so you can spend before you earn, you need to reevaluate your buying habits. You (anyone) should be able to live without a credit card.
To the other points:
1. A secured card is hardly a credit card. Really, it's a debit card if you think about it, as you can only spend on the card how much money you have already put into it, and you can't re-spend until you return money into that account. These hardly build credit.
2. There are FAR TOO MANY cards out there that will not demand a yearly fee. That anyone still charges a cardholder is a travesty of business ethics. (Hint: they already make billions by charging the businesses that take credit cards.)
Okay, bottom line: you need to reevaluate WHY you "need" a credit card at all; after that, you can look at getting a card if you really should.
2007-02-27 16:11:05 · answer #2 · answered by VigilancePrime 2 · 0⤊ 0⤋
Try ASPIRE Visa or First Premier, they both help people re-establish their credit. They will give you a small available balance and you start from there. Pretty good for re-establishing your credit and it is not a prepaid card, it is a card you receive with a small available balance, not a debit card.
2007-02-27 15:46:28 · answer #3 · answered by Kendra J 3 · 0⤊ 0⤋
I think you can still get secured credit cards. That's where you put money on it up front then after awhile they'll take a risk with you and give you a credit limit. Look online.
2007-02-27 15:24:23 · answer #4 · answered by Mel 2 · 0⤊ 0⤋
Geez, I think Capital One Bank gives a credit card to just about anybody. But you may have to pay a yearly fee to have it.
2007-02-27 15:27:29 · answer #5 · answered by Annie 6 · 0⤊ 0⤋
go to your bank and get a prepaid credit card.
2007-02-27 15:22:44 · answer #6 · answered by hogwhisperer 2 · 0⤊ 0⤋
Try the below company
2007-02-27 20:17:26 · answer #7 · answered by Anonymous · 0⤊ 0⤋