What kind of credit score do you need to get a charge card for a dept. store in the mall?

Question

I've applied in the past like a few years back for various dept. stores and was denied. Ive since quit applying for them and my credit score has risen as well. My credit score is better now in the mid 6's. What are my chances of getting a credit card with anyone. Ive never had a credit card before can i get one now with my credit score?Who, why, what , when and where?

Answer 1

There are credit card companies out there that will send a card to you even if you have really sucky credit scores but have a steady income. You can probably "google" information about them.

Instead of getting a store credit card, ask your bank or credit union if they have a card (like Master card or Visa) that you may qualify for. After you get it, try NOT to use it!

When you do get a card try to pay off the WHOLE amount every month and not just the minimum amount due otherwise the debt keeps mounting and mounting and you'll be quickly overwhelmed. Been there, done that. NOT fun!

I once read about a woman who kept her credit card in a ziplock bag in a container of water in the freezer! By the time she thawed out her card, she would talk herself out of buying whatever it was she thought she wanted and saved a lot of money.

Hope this helps--good luck!

Answer 2

There are three credit bureaus: Trans Union, Experion, and Equifax. The credit score can be calculated separately for each bureau. Scores run from 450 to 850. Any score above 720 walks on water and can get pretty much any loan if he has income and not to loaded down with debt already. A score below 600 becomes iffy. Depends on the store offering the credit how low they want to do. The lower scores of course are riskier due to greater likelihood that the bill may be paid late or not at all.

Protect your credit. If is is bad, get a counselor to advise you what must be done to repair it. This may take one to two years but it is worth the trouble.

Answer 3

Mid 6's is fine. You should not have any problem, provided that your score is actually mid 6's on all of the credit agencies reports. Sometimes one report has a different score, and if the creditor uses the report with the lower score, then you have a problem.

Zales, Kay, JC Penney, Sears, Best Buy, Mobil, Home Depot, Lowes, whatever you have where you live. If you apply online and get approved, you will likely get approved for at least one more if you apply right away. Do that every 3 months or so and you'll get all kinds of credit cards.