I have a credit score of exactly 619 after looking at a consolidated report from all 3 bureaus, I understand that most credit cards require a score of 625 for you to apply so I dont apply by just a hairline. I know this because I was already declined for a credit card and made a small research to see what my score was and why I was declined.
However I need a credit card ASAP, its either that or a small loan and I dont want to go for a loan.
Are there any credit cards that aprove lower than 625 scores? Or is there a way to get this score up by the end of the month?
2007-03-18 14:45:05 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
You might try Orchard Bank or HSBC.
Also, the scores that you receive along with a tri-merge report or from the credit reporting agencies themselves are not true FICO scores, you would have to go to myfico to get your "true" credit score.
2007-03-18 14:51:36 · answer #1 · answered by echo 7 · 0⤊ 0⤋
Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.
The last method of reward is giving airmiles. Airmiles are highly popular reward, since many customers prefer to redeem them for free flights or flight upgrades to business or first class tickets. Whatever type of reward credit card you go for, carefully note the amount or rate at which rewards will accrue. E.g. some credit cards will give you one air mile per pound you spend while others will give you four. This is a major difference. Also read carefully other terms and conditions.
2007-03-18 20:33:41 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yeah, keep looking. Somebody out there will give you a credit card, trust me. Just make sure you pay it off soon because your interest rate will be outrageous.
2007-03-18 14:49:05 · answer #3 · answered by Yankee Killer 2 · 0⤊ 0⤋
there are credit cards but the interest will be very high, try google it
2007-03-18 14:48:04 · answer #4 · answered by xloux 3 · 0⤊ 0⤋